Credit union · NCUA insured
High Point Federal Credit Union Credit Card Rates
High Point Federal Credit Union credit cards start at 11.50% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How High Point Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Olean, NY, where High Point Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
High Point Federal Credit Union
11.50%APR
- Up to
- 17.99% APR
Visa Platinum Credit Card
2nd-lowest rate
M&T Bank
13.74%APR
- Up to
- 20.74% APR
3rd-lowest rate
KeyBank
20.74%APR
- Up to
- 27.74% APR
High Point Federal Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Credit Card
Variable rate based on credit at account opening and reward option. See Card Agreement for complete terms.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | 6-month introductory rate of 1.99% APR |
| Ongoing | 11.50%–17.99% | None | Variable rate varies from 11.50% to 17.99% APR based on one's credit at account opening and whether the rewards option is chosen |
Sources (1)
- highpointfcu.com/personal-accounts/credit-cards · captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.