High Point Credit Union Olean NY | Affordable Auto Loans & Checking

Introduction

Welcome to High Point, your trusted partner in financial services located at 1201 Wayne St, Olean, NY 14760. Since our establishment in 1972, we have dedicated ourselves to serving the community with integrity and care. With a membership of over 20,196 individuals and total assets exceeding $399 million, we are proud to be a cornerstone of financial support for our members. At High Point, we believe that banking should be personal and accessible. Our team is here to provide you with a range of services designed to meet your needs whether it's securing an auto loan or managing your savings. We currently handle a total loan portfolio of 10,948, along with deposits reaching $17,356,106. Our commitment to excellent service has helped us maintain a net worth of $56,572,757 and cash in hand amounting to $3,708,974. Our leadership team, including CEO Richard Yeager and Board President Michele Pancio, works tirelessly to ensure that we not only meet but exceed your expectations. We invite you to visit us during our lobby hours from 8:30 a.m. to 5:30 p.m., Monday through Friday, or take advantage of our drive-thru service on Saturdays from 8:30 a.m. to 12 noon. Whether you're looking for personal banking solutions or business loans, High Point is here for you. Explore our website at highpointfcu.com for more information or give us a call at 716-372-6607. Let's work together towards achieving your financial goals!

Branch History & Mission

Join Us Today

We invite you to experience the benefits of being a member of High Point. Whether you're looking for a place to save, invest in your future, or get assistance with loans and mortgages, we are here for you every step of the way. Become part of our family today and let us help you reach your financial goals! For more information on membership eligibility or to open an account online, visit us at High Point FCU or follow this link: Join Us.

Our Journey

From our humble beginnings on Wayne Street, we have continually strived to meet the changing needs of our members. Over the years, we've expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. This growth reflects not only our dedication to financial excellence but also our desire to contribute positively to the Olean community. Our branch is conveniently located at 1201 Wayne St, Olean, NY 14760, easily accessible for all your banking needs. Whether you're visiting us for a loan or simply to check your balance at one of our ATMs available for your convenience or taking advantage of our drive-thru services, we aim to provide a welcoming atmosphere that makes banking simple and straightforward.

Our Mission

At High Point, our mission extends beyond just providing financial services; we are dedicated to empowering our members and supporting community initiatives. We believe that when our members succeed, the entire community thrives. That's why we actively participate in local events and partnerships that foster growth and well-being in Olean and surrounding areas. Our team is here to ensure you have access to modern banking features like online and mobile banking. We prioritize accessibility by maintaining compliance with ADA standards so everyone can benefit from our services without barriers. While members can visit us at 1201 Wayne St, official correspondence should be sent to the same address. You can reach us by phone at 716-372-6607 during our operating hours: Monday through Friday from 8:30 a.m. to 5:30 p.m. and Saturday from 8:30 a.m. to 12 noon for drive-thru services.

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

When you step inside High Point, you're greeted by a team ready to assist you with various personal banking needs from checking and savings accounts to auto loans and mortgage refinancing. We also provide credit cards with rewards and business banking options like merchant services and business loans. With ATM access available on-site and drive-thru services for deposits and withdrawals, managing your finances has never been easier.

Easy Access and Parking

At High Point, we understand that convenience matters. Our branch offers ample parking, making it easy for you to stop by anytime. Plus, we're committed to accessibility, featuring ADA-compliant entrances and ramps to ensure all our members can visit comfortably.

Get in Touch

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 716-372-6607 for more information or visit our website at highpointfcu.com to explore all we offer. We can't wait to welcome you into our branch! While members can visit us at 1201 Wayne St, official correspondence should be sent to the same address as we keep everything streamlined for your convenience. Stop by today your financial future starts here at High Point!

Operating Hours Tailored for You

We know your time is valuable. That's why our lobby hours are designed with your schedule in mind. Visit us Monday through Friday from 8:30 a.m. to 5:30 p.m. If you're looking for quick service over the weekend, our drive-thru is open Saturday from 8:30 a.m. to noon perfect for those busy weekends!

Member Eligibility

Joining the High Point family means becoming part of a welcoming community that values your financial well-being. At High Point, we believe that everyone deserves access to quality financial services. If you live, work, worship, or attend school in Cattaraugus County, you're already eligible to become a member! This inclusive approach ensures that our services are tailored to meet the needs of our community. By choosing High Point, you gain access to a variety of benefits like competitive rates on loans and savings accounts, personalized service, and community-focused programs. Getting started is easy! Simply visit us at 1201 Wayne St, Olean, NY 14760, or check out our eligibility criteria at this link. If you're ready to open an account, you can do so online by visiting this page. For any questions or assistance, feel free to give us a call at 716-372-6607. We can't wait to welcome you aboard!

Business Banking & Commercial Services

Financing Options for Growth

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. - With an outstanding commercial loan portfolio of $33,225,185, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, we offer practical merchant services that simplify daily operations. Imagine being able to accept payments quickly and securely, whether online or in-store. Our solutions not only streamline transactions but also help you manage cash flow more effectively. Located conveniently at 1201 Wayne St Olean Ny 14760 in Olean, NY, we invite you to visit us or contact us at (716) 372-6607 to learn how our business banking services can help your company reach new heights. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Business Banking Services

For business owners, we offer comprehensive business banking services, including merchant services and business loans. We understand the challenges of running a business, and we are committed to helping you succeed by providing flexible financing options.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why at High Point Fcu, we prioritize digital banking features. Our online and mobile banking platforms make it easy for you to manage your finances anytime, anywhere. You can transfer money between accounts, pay bills, and even send money to friends through our person-to-person payment service. Need cash? Our network of ATMs allows for easy access to your funds whenever necessary. Plus, our drive-thru services make simple transactions like deposits and withdrawals quick and hassle-free.

Member Support

Our dedicated team is always ready to assist you during our operating hours: Monday through Friday from 8:30 a.m. to 5:30 p.m., with drive-thru availability on Saturday until noon. If you have questions or need assistance with any of our services, don't hesitate to reach out at (716) 372-6607. At High Point, we are committed to making your financial experience as smooth as possible. Explore all that we have to offer today! Visit us online at https://www.highpointfcu.com/ or stop by our branch in Olean for personalized service tailored just for you!

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts designed for your daily needs. Whether you're saving for a special occasion or managing everyday expenses, our accounts come with features that make banking easy and accessible. If you're considering buying a vehicle, look no further than our auto loans and vehicle financing options. With competitive rates, we help you drive away in the car you want without breaking the bank. Our mortgage loans and refinancing services are ideal for those looking to purchase their dream home or lower their current mortgage payments. For unexpected expenses or plans that require quick cash, our personal loans and debt consolidation solutions can help ease your financial burdens. And don't forget about our credit cards with rewards, which allow you to earn while you spend on things you already buy!

Digital & Online Banking

Always Available

With 24/7 online banking services, you're never far from your finances. Check in anytime whether it's early morning or late at night and access everything you need at your fingertips. Our commitment is to provide you with real-time account management that fits into your busy lifestyle. At High Point, we strive to offer a blend of modern technology with personalized service. Join us today and discover how our digital and online banking services can simplify your financial journey!

Key Features

Our online banking platform, accessible at https://www.highpointfcu.com/, allows you to check balances, pay bills, and transfer funds effortlessly. You can enjoy the peace of mind that comes with secure electronic signature authorization for transactions, making your experience both safe and efficient. Plus, you'll have the option to receive e-statements, helping you stay organized while reducing paper clutter. For those who are always on the go, our mobile application offers a user-friendly interface that lets you manage your accounts right from your smartphone. Need to make payments? Our mobile payments feature makes it simple to send money directly from your device. Whether you're splitting a dinner bill or sending money to friends and family, our person-to-person transfer option has got you covered.

Financial Strength

At High Point, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to be a solid choice for your financial needs, backed by our strong performance metrics and commitment to serving you. 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. Our net worth ratio of 14.17% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 supports your financial goals with $3,306 in used auto loans and $189,174,870 in total loans and leases. While our recent net income of $2,400,864 reflects operational efficiency during challenging times, it reinforces our ability to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 78 full-time employees and 0 part-time employees who are always ready to assist you with knowledgeable service. Our commitment to our members is evident with a total of 40,555 share accounts, reflecting a strong and growing member base that trusts us with their finances. 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 1201 Wayne St Olean Ny 14760 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.

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're interested in financing a brand-new model or a reliable pre-owned vehicle, our flexible terms make it easy for you to drive away with confidence.

Business Loans

If you're a business owner looking for capital to grow and expand, we have outstanding commercial loans totaling $33,225,185 available for various business needs. Whether it's purchasing equipment or covering operational costs, we're here to support your entrepreneurial journey. At High Point, we are committed to providing transparent lending solutions tailored to your needs. We encourage you to explore refinancing options if you're considering lowering your current loan payments or improving your financial situation further. For eligibility details and additional information about our offerings, please visit us online at https://www.highpointfcu.com/ or give us a call at (716) 372-6607. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

Credit Lines

For those who prefer flexibility, our total credit lines amounting to $34,694,533 provide an excellent option. They allow you to borrow what you need when you need it while only paying interest on what you've utilized. It's a convenient way to manage cash flow without taking on unnecessary debt.

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 guidance throughout the process to help you navigate the complexities of home financing, ensuring that you find the right fit for your budget and lifestyle.

Unsecured Credit Card Loans

Managing finances can be challenging, which is why 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, our credit cards come with competitive rates and no hidden fees. You can use them for everyday purchases or unexpected expenses without worrying about exceeding your budget.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means that users can trust that the offers presented are fair and transparent. Each lender featured on LendMesh is thoroughly vetted to ensure compliance with industry standards.

HIGH POINT FEDERAL CREDIT UNION - Olean, NY

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