Credit union · NCUA insured
High Point Federal Credit Union Savings Rates
High Point Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Savings. Rates checked October 17, 2026.
How High Point Federal Credit Union’s savings 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
0.25%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Money Market Savings
Top rate
Five Star Bank
2.75%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $275
2nd-highest rate
CCSE Federal Credit Union
1.76%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $176
High Point Federal Credit Union savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.25%
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.
Where High Point Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
0.25%APY
Minimum opening deposit is $2,500. Must maintain a minimum average daily balance of $2,500 to earn monthly dividends and receive disclosed APY. Up to six withdrawals or pre-authorized transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum average daily balance of $2,500 required to earn dividends. | 0.00% | — | Minimum average daily balance of $2,500 required to earn dividends. |
| $2,500 – $10,000Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. | 0.25% | — | Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. |
| $10,000 – $25,000Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. | 0.25% | $25 | Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. |
| $25,000 – $50,000Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. | 0.30% | — | Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. |
| $50,000 – $100,000Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. | 0.35% | — | Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. |
| $100,000 – $250,000Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. | 0.50% | — | Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. |
| $250,000 and upMust maintain a minimum average daily balance of $2,500 to receive disclosed APY. | 0.90% | — | Must maintain a minimum average daily balance of $2,500 to receive disclosed APY. |
Sources (2)
All captured Sep 17, 2026
Share Savings
0.25%APY
Primary share savings account establishes credit union membership ($5 required hold). Minimum average daily balance of $300 required to earn dividends. No monthly service charges.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $300Must maintain a minimum average daily balance of $300 in account for the month to earn dividends. | 0.00% | — | Must maintain a minimum average daily balance of $300 in account for the month to earn dividends. |
| $300 – $10,000 | 0.20% | — | |
| $10,000 – $25,000 | 0.25% | $25 | |
| $25,000 and up | 0.27% | — |
Sources (3)
- highpointfcu.com/deposit-rates
- highpointfcu.com/personal-accounts/savings-accounts
- highpointfcu.com/share-savings-rates
All captured Sep 17, 2026
Special-purpose accounts
IRA Savings
0.80%APY
$50 minimum required to open. APY assumes the same rate for 1 year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAssumes the same rate for 1 year.Any balance | 0.80% | $80 | Assumes the same rate for 1 year. |
Christmas Club
0.25%APY
Clubs mature on 10/1 of each year. Minimum average daily balance of $25 required to receive disclosed APY. Funds may be withdrawn at any time without penalty (dividends are not earned on the withdrawn amount in the month withdrawn).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25Must maintain a minimum average daily balance of $25 to receive disclosed APY. | 0.00% | — | Must maintain a minimum average daily balance of $25 to receive disclosed APY. |
| Up to $300 | 0.20% | — | |
| $300 – $10,000 | 0.20% | — | |
| $10,000 – $25,000 | 0.25% | $25 | |
| $25,000 and up | 0.27% | — |
Sources (3)
- highpointfcu.com/christmas-club-rates
- highpointfcu.com/deposit-rates
- highpointfcu.com/personal-acco…/christmas-club-accounts
All captured Sep 17, 2026
Youth Savings
0.25%APY
Min balance $5 to earn interest. First $5 deposit from credit union at account opening. Rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $300Min balance $5 to earn interest. | 0.20% | — | Min balance $5 to earn interest. |
| $300 – $10,000Min balance $5 to earn interest. | 0.20% | — | Min balance $5 to earn interest. |
| $10,000 – $25,000Min balance $5 to earn interest. | 0.25% | $25 | Min balance $5 to earn interest. |
| $25,000 and upMin balance $5 to earn interest. | 0.27% | — | Min balance $5 to earn interest. |
Sources (2)
All captured Sep 17, 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.