High Point Credit Union Allegany NY | Best Auto Loans & ATM Access

Introduction

Welcome to High Point, your trusted partner in financial services located at 180 W Main St, Allegany, NY 14706. Established in 1972, we have been dedicated to providing personalized banking solutions for over 50 years. With a strong commitment to our community, we proudly serve 20,196 members, helping them achieve their financial goals with confidence. At High Point, we understand that every member's journey is unique. Our total assets of $399,361,622 reflect our stability and reliability in the financial landscape. We offer a variety of services tailored to meet your needs, including personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our goal is to make banking easy and accessible for everyone. While members can visit us at our branch location, official correspondence should be sent to 180 W Main St, Allegany, NY 14706 if needed. With total deposits amounting to $17,356,106 and a net worth of $56,572,757, you can trust that your finances are in good hands. Our experienced team of 78 employees, led by CEO Richard Yeager and Board President Michele Pancio, is here to provide exceptional service with a personal touch. We invite you to explore our range of services further by visiting our website at highpointfcu.com or by calling us directly at 716-372-6607 during our operating hours from 8:30 a.m. to 5:30 p.m., Monday through Friday. Join us today and experience the benefits of being a part of the High Point family!

Branch History & Mission

Community Engagement

High Point recognizes the importance of adapting to modern banking needs while ensuring accessibility for all. We have embraced digital advancements such as online banking and mobile payments to enhance convenience for our members. Additionally, we are proud to offer ADA-compliant facilities and services that ensure everyone can access our resources comfortably. Our branch operates Monday through Friday from 8:30 a.m. to 5:30 p.m., allowing ample time for members to visit us for their banking needs. With ATM availability and drive-thru service at your disposal, we strive to make banking easy and efficient.

Join Us Today!

As we look toward the future, High Point remains dedicated to its mission of empowering our members financially while making a positive impact in Allegany. Whether you are looking for personal loans or business banking solutions, we invite you to experience the benefits of joining our family. For any inquiries or assistance, feel free to reach out at 716-372-6607 or visit us online at highpointfcu.com. Your journey towards better financial health starts here!

Our Mission

At the heart of High Point's mission is a dedication to enhancing the financial well-being of every member. We strive to provide personalized banking solutions that cater to individual needs while promoting responsible financial practices. Our services include personal banking accounts, auto loans, mortgage loans, and business banking solutions all designed with our members in mind. High Point is not just about transactions; it's about building relationships within our community. We believe in giving back through partnerships and outreach programs that support local initiatives and foster growth in Allegany. Our commitment extends beyond providing quality financial services; we aim to be a pillar of strength for our community.

Branch Location & Accessibility

Connect With Us

If you have questions or need assistance before visiting, feel free to call us at 716-372-6607. We're excited to help you with all your banking needs! Come see us today at High Point where your financial well-being is our priority.

Convenient Access and Features

At High Point, we understand that accessibility matters. Our branch is equipped with features to assist all members, including ADA-compliant ramps and ample parking. You'll find it easy to pull up and park when you visit us for any of your financial needs. Plus, if you prefer to conduct transactions without stepping inside, our drive-thru service offers a quick way to deposit funds or withdraw cash right from your car.

Operating Hours and Services

We're open Monday through Friday from 8:30 a.m. to 5:30 p.m., making it convenient for you to drop by before or after work. Our dedicated staff is here to assist you with personal banking services such as checking and savings accounts, auto loans, mortgage loans, and even business banking options. Need cash on the go? We also provide ATM access for easy withdrawals and balance checks. For any official correspondence, while you can visit us at our physical address, please send mail to our mailing address: 180 W Main St, Allegany, NY 14706.

Member Eligibility

At High Point, we believe that becoming a member means joining a close-knit community where your financial well-being is our top priority. If you're looking to become part of our family, you'll be pleased to know that eligibility is quite accessible! Residents of Allegany and surrounding areas, as well as those who work or worship here, are welcome to join us. We also invite family members of existing members to take advantage of our services. This inclusivity allows us to support more individuals in achieving their financial goals together. For the most up-to-date details on eligibility, you can visit our dedicated page at https://www.highpointfcu.com/membership/. Opening an account with us is a breeze! Just head over to our account opening portal at https://my.highpointfcu.com/enroll, and you'll find everything you need to get started. If you have any questions or need assistance along the way, don't hesitate to reach out by calling us at (716) 372-6607 during our operating hours from 8:30 a.m. to 5:30 p.m., Monday through Friday. We can't wait for you to experience all the wonderful benefits that come with being a member of High Point!

Business Banking & Commercial Services

Member and Non-Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $264 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $33,225,185, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to process payments swiftly while keeping track of your sales data all from one platform. Our merchant services simplify transactions for you and your customers. Whether you're a small shop or a larger enterprise, having reliable payment processing can enhance customer satisfaction and streamline your operations. At High Point, we're not just here to provide loans; we're here to empower your business every step of the way. Contact us at (716) 372-6607 or visit us today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it's time for a new car, High Point is here to help with competitive rates on Auto Loans & Vehicle Financing. Whether you're purchasing a brand-new vehicle or refinancing an existing loan, our dedicated team will work with you to find the best solution that fits your budget.

Business Banking

Entrepreneurs will appreciate our comprehensive Business Banking solutions including merchant services and business loans. At High Point, we understand the unique challenges of running a business and are dedicated to providing the support needed to help it thrive.

Convenient Access

In addition to these offerings, we also provide convenient ATM and cash withdrawal services, as well as basic drive-thru banking for quick transactions like deposits or withdrawals. You can easily access your funds without any hassle! We invite you to experience all that High Point has to offer by visiting us or giving us a call at (716) 372-6607 during our operating hours from 8:30 a.m. to 5:30 p.m., Monday through Friday. Explore our full suite of services today by visiting us online at High Point Fcu. Join us as we work together towards achieving your financial goals!

Credit Cards with Rewards

For those who love earning rewards while spending wisely, our Credit Cards with Rewards program offers various benefits tailored for everyday purchases. Enjoy cash back and points redeemable for exciting rewards all while building credit.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make. Our Mortgage Loans & Refinancing options are designed to simplify the process. We guide you through every step, ensuring you understand all available options so you can secure a mortgage that meets your needs.

Personal Banking

We understand that managing your day-to-day finances can be overwhelming. That's why we offer Personal Banking services that include checking and savings accounts designed with you in mind. Imagine having easy access to your funds anytime through our user-friendly online and mobile banking platforms. You can transfer money, pay bills, and check your balance right from your smartphone or computer.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, don't stress! Our Personal Loans & Debt Consolidation services can provide the financial relief you need. With flexible terms and reasonable rates, we're committed to helping you manage and reduce debt effectively.

Digital & Online Banking

Key Features

Our online banking service operates 24/7, so whether it's early morning or late at night, you can handle your banking needs at your convenience. Plus, with our mobile application available for download, you can carry the bank in your pocket wherever you go. For added convenience, we offer e-statements that allow you to view your account statements electronically. This not only helps reduce paper clutter but also ensures that you have quick access to important documents. If you're ever in a hurry and need to sign forms quickly, our electronic signature authorization makes it easy no more printing out papers just to sign them!

Stay Connected with Mobile Payments

We know that making payments should be quick and easy. That's why we've incorporated mobile payments into our services. Whether you're splitting dinner with friends or paying for groceries, our person-to-person transfer feature allows you to send money instantly without hassle. At High Point, security is a top priority. Our digital banking services come equipped with robust safety measures to keep your information protected while you manage your finances online. So whether you're using our website or mobile app, rest assured that your data is secure. Experience the ease of modern banking with High Point's digital offerings today!

Financial Strength

Committed Team

We also take pride in having 78 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Together, we strive to provide the best service possible to meet your needs.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, High Point is your trusted partner. Visit us at 180 W Main St Allegany Ny 14706 or call (716) 372-6607 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Reinvestment for Growth

With $56,572,757 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust: we have $3,306 in used auto loans and $189,174,870 in total loans and leases, supporting members' financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $89,618,928 in share certificates and $45,607,610 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $56,572,757, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This impressive net worth is reflected in our net worth ratio of 14.17%, demonstrating a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $53,512,163 in used vehicle loans and $19,840,531 in new vehicle loans already helping members get on the road. Whether you are interested in financing a brand-new vehicle or a reliable used one, we have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $33,225,185 provide the capital needed to grow and expand your business. We understand the unique challenges faced by businesses today and are here to support your journey. At High Point, we believe everyone deserves access to affordable financing options tailored to their needs. If you're considering refinancing or want to learn about eligibility options for any of our loan products, please feel free to contact us or visit our website for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and take the first step toward achieving your financial goals!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,689,025 in loans helping members manage their finances effectively. These cards come with features that can help you earn rewards while making your purchases easier.

Credit Lines

For those who need extra flexibility with their finances, our total credit lines amounting to $34,694,533 provide access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,519,500, make buying or refinancing simple. We provide competitive rates and personalized service to guide you through the process.

Loan Aggregator

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HIGH POINT FEDERAL CREDIT UNION - Allegany, NY

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