Credit union · NCUA insured
High Point Federal Credit Union Auto Loan Rates
High Point Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 17, 2026.
How High Point Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Olean, NY, where High Point Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
High Point Federal Credit Union
4.24%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Winter Auto Purchase Special
2nd-lowest rate
CCSE Federal Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 12.25% APR
- Discount
- None included
3rd-lowest rate
SNIFCU
5.00%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
High Point Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where High Point Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Rates are based on credit score, term and model year. Collateral 10 model years and older will have higher rates. Rates include a 0.25% discount for auto transfer of the monthly payment and 0.25% discount for LTV under 80%. Maximum terms dependent on model year and/or credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Model year 2025 & newer. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| 49–60 months | 4.69% | Model year 2025 & newer. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| 61–75 months | 4.99% | Model year 2025 & newer. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| 76–84 months | 5.99% | Model year 2025 & newer. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| up to 48 months | 4.69% | Model year 2022 - 2024. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| 49–60 months | 4.89% | Model year 2022 - 2024. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| 61–75 months | 5.19% | Model year 2022 - 2024. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| 76–84 months | 6.19% | Model year 2022 - 2024. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| up to 48 months | 5.09% | Model year 2017 - 2021. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| 49–60 months | 5.49% | Model year 2017 - 2021. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
| 61–75 months | 5.69% | Model year 2017 - 2021. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%. |
Sources (3)
All captured Oct 16, 2026
Auto Purchase and Refinance Special
Valid on approved purchase and refinance loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age 2021 or newer, 72-month term or less. Paperless payment required. No refinance of existing Credit Union debt. Valid 3/12/2025-4/11/2025.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | Valid on approved purchase and refinance loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age 2021 or newer, 72-month term or less. Paperless payment required. No refinance of existing Credit Union debt. Valid 3/12/2025-4/11/2025. |
Sources (1)
- highpointfcu.com/auto-purchase-and-refinance-special · captured Oct 16, 2026
Auto Refinance Special
Valid on approved refinanced loans for credit scores of 640 or better, LTV of 105% or less, vehicle age of 2019 or newer and 72 month term or less. Rate includes 0.25% discount for auto transfer of payment. Valid 9/16/24 – 9/30/24.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.49% | Valid on approved refinance loans for credit scores of 640 or better, LTV of 105% or less, vehicle age 2019 or newer, 72-month term or less. Includes 0.25% discount for auto transfer of payment. Valid 9/16/24 – 9/30/24. |
Sources (1)
- highpointfcu.com/auto-refinance-special-2 · captured Oct 16, 2026
Fall Auto Refinance Special (November 2025)
Valid on approved refinance loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2021 or newer, 72-month term or less. No refinance of existing Credit Union debt. Paperless payment required. Offer valid 11/3/2025-11/14/2025.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | Valid on approved refinance loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2021 or newer, 72-month term or less. No refinance of existing Credit Union debt. Paperless payment required. Offer valid 11/3/2025-11/14/2025. |
Sources (1)
- highpointfcu.com/fall-auto-refinance-special · captured Oct 16, 2026
Fall Auto Refinance Special (September 2026)
Valid on approved refinance loans for credit scores of 640 or better, LTV of 105% or less, vehicle age of 2022 or newer, 75-month term or less. No refinance of existing Credit Union debt. Paperless payment required. Exclusively for refinance transactions only. Offer valid 09/08/2026-09/30/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 3.99% | Valid on approved refinance loans for credit scores of 640 or better, LTV of 105% or less, vehicle age of 2022 or newer, 75-month term or less. No refinance of existing Credit Union debt. Paperless payment required. Offer valid 09/08/2026-09/30/2026. |
Sources (1)
- highpointfcu.com/fall-auto-refinance-special-2 · captured Oct 16, 2026
Holiday Auto Special
Valid on approved purchases and refinanced loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2018 or newer and 72 month term or less. Rate includes 0.25% discount for auto transfer of payment. No refinances of existing High Point FCU debt. Offer valid 12/1/23 – 12/31/23.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.79% | Valid on approved purchases and refinanced loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2018 or newer and 72 month term or less. Rate includes 0.25% discount for auto transfer of payment. No refinances of existing High Point FCU debt. Offer valid 12/1/23 – 12/31/23. |
Sources (1)
- highpointfcu.com/holiday-auto-special · captured Oct 16, 2026
September Auto Loan Sale
Valid on approved purchases and refinanced loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2017 or newer and 71 month term or less. Rate includes 0.25% discount for auto transfer of payment. No refinances of CU debt. Borrower can elect to defer first payment for up to 90 days. Offer valid 9/3/21 – 9/25/21.
| Terms | APR | Conditions |
|---|---|---|
| up to 71 months | 1.90% | Purchase offer. Credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2017 or newer and 71 month term or less. Includes 0.25% discount for auto transfer of payment. Defer first payment up to 90 days. Offer valid 9/3/21 – 9/25/21. |
| up to 71 months | 2.29% | Refinance offer. Credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2017 or newer and 71 month term or less. Includes 0.25% discount for auto transfer of payment. No refinances of CU debt. Defer first payment up to 90 days. Offer valid 9/3/21 – 9/25/21. |
Sources (1)
- highpointfcu.com/september-auto-loan · captured Oct 16, 2026
Spring Auto Purchase and Refinance
Valid on approved purchases and refinanced loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2019 or newer and 60 month term or less. Rate includes 0.25% discount for auto transfer of payment. No refinances of existing High Point FCU debt. Borrower can elect to defer first payment for up to 90 days. Offer valid 4/1/24 – 4/30/24.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Valid on approved purchases and refinanced loans for credit scores of 640 or better, LTV of 105% or less (excluding warranty), vehicle age of 2019 or newer and 60 month term or less. Rate includes 0.25% discount for auto transfer of payment. No refinances of existing High Point FCU debt. Borrower can elect to defer first payment for up to 90 days. Offer valid 4/1/24 – 4/30/24. |
Sources (1)
- highpointfcu.com/spring-auto-purchase-and-refinance · captured Oct 16, 2026
Winter Auto Purchase Special
Valid on approved purchase loans for credit scores of 680 or better, LTV of 105% or less (excluding warranty), vehicle age of 2020 or newer and 72 month term or less. Paperless payment required. Rate includes 0.25% discount for auto transfer of payment. Offer valid 11/29/24 – 12/31/24.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.24% | Valid on approved purchase loans for credit scores of 680 or better, LTV of 105% or less (excluding warranty), vehicle age of 2020 or newer and 72 month term or less. Paperless payment required. Rate includes 0.25% discount for auto transfer of payment. Offer valid 11/29/24 – 12/31/24. |
Sources (1)
- highpointfcu.com/winter-auto-purchase-special · captured Oct 16, 2026
Who can join High Point Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Cattaraugus and Allegany Counties, NY, or McKean and Potter Counties, PA are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) and household members (living in the same residence maintaining a single economic unit) of an existing credit union member are eligible for membership.
Other ways
- Businesses and organizations in Cattaraugus and Allegany Counties, NY, and McKean and Potter Counties, PA are eligible for membership.
Cost to join
- A refundable $5 share deposit held in the primary share savings account is required as ownership interest.
Membership information collected October 5, 2026.