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Credit union · NCUA insured

High Point Federal Credit Union CD Rates

High Point Federal Credit Union’s best CD rate is 3.00% APY on a 4-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.

How High Point Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Olean, NY, where High Point Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    High Point Federal Credit Union

    3.00%APY

    Term
    4 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $99

    Certificate

  • Top rate

    Woodforest National Bank

    4.25%APY

    Term
    9 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $317

    Woodforest National Bank rates

  • 2nd-highest rate

    M&T Bank

    3.85%APY

    Term
    18 months
    Requires
    Another account
    Minimum
    $1,000
    Earns on $10,000
    $583

    M&T Bank rates

Compare CD rates near you →

High Point Federal Credit Union CD score

63

CD score

Higher than 10% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.00%
  • 9–15 months9–15 mo2.50%
  • 16–30 months16–30 mo0.60%
  • 31–60 months31–60 mo0.85%
  • QualifiedQualified3.00%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where High Point Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

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This may be incomplete or out of date, so check with the credit union before you apply.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.

Check membership requirements ↗Branches and institution details
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