High Point Credit Union Olean NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to High Point, your trusted credit union in Olean, NY! Established in 1972, we have proudly served our community for over five decades. Located at 206 N Clark St, we are dedicated to providing exceptional financial services and support to our members, who now number over 20,000 strong. At High Point, we believe in fostering a sense of belonging and trust. With total assets exceeding $399 million and total deposits reaching $17,356,106, we are committed to helping our members achieve their financial goals. Our diverse range of services includes everything from checking and savings accounts to auto loans, mortgages, and business banking solutions. Under the leadership of CEO Richard Yeager and Board President Michele Pancio, our team of 78 employees is here to ensure that you receive personalized service tailored to your needs. We pride ourselves on being accessible; whether you prefer online banking or visiting us in person, we're ready to assist you. While members can visit us at our branch address, official correspondence should be sent to the same location: 206 N Clark St, Olean, NY 14760. Feel free to reach out via phone at (716) 372-6607 during our lobby hours from 8:30 a.m. to 5:30 p.m., Monday through Friday. We invite you to explore how High Point can help you navigate your financial journey with confidence. Visit our website at highpointfcu.com or stop by our branch today!

Branch History & Mission

At High Point, we take pride in our rich legacy that began in 1972. Since opening our doors at 206 N Clark St, Olean, NY, we've dedicated ourselves to serving the community with integrity and care. Over the decades, we have grown from a small credit union into a trusted financial partner for over 20,000 members. Today, our total assets stand at an impressive $399,361,622, reflecting our commitment to financial health and stability. Our mission is clear: to provide exceptional financial services while fostering community support. We strive to empower our members through a variety of offerings including personal banking, auto loans, mortgage loans, and business banking solutions. Our goal is not just to meet your financial needs but to help you achieve your dreams. High Point is more than just a place for transactions; it's a hub for community connection. We believe in giving back and actively engaging with local initiatives that uplift those around us. Our partnerships with various organizations reflect our dedication to making a positive impact in Olean and beyond. While members can visit us at our branch location for face-to-face assistance during our operating hours of 8:30 a.m. to 5:30 p.m., Monday through Friday, we also embrace digital advancements that make banking easier than ever. With services like online banking and mobile payments available to all members, we ensure that your finances are accessible anytime and anywhere. We understand that convenience matters; that's why we offer ATM access and drive-thru banking options for quick deposits and withdrawals. Whether you prefer managing your money digitally or visiting us in person, High Point is here to serve you. As we look forward to the future, we invite you to become part of the High Point family. Join us today and experience how we can work together toward your financial goals while making a difference in our community. For more information about membership or to open an account, visit our website or call us at 716-372-6607. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Features

We pride ourselves on being accessible to everyone. Our branch is ADA compliant, featuring ramps and other accommodations for those who need them. Parking is available nearby, ensuring you have a hassle-free visit when you stop by. Our friendly team is here to assist you during our operating hours from 8:30 a.m. to 5:30 p.m., Monday through Friday. Need to make a quick deposit or withdrawal? We offer drive-thru banking services for your convenience. Plus, with an ATM on-site, you can access your funds anytime without stepping inside!

Connect With Us

Have questions or need assistance? Feel free to give us a call at 716-372-6607. Our dedicated staff is ready to help you navigate your banking journey with ease. We invite you to visit us today and discover how we can support your financial goals!

Services Offered

At High Point, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also offer credit cards with rewards and business banking solutions for local entrepreneurs.

Member Eligibility

Becoming a member of High Point is like joining a welcoming family that's dedicated to your financial well-being. If you're looking for a supportive community, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the area around 206 N Clark St Olean Ny 14760. This means whether you're a local resident or just passing through, you can enjoy the benefits of being part of our credit union. We believe everyone deserves access to personalized financial services and competitive rates, making it easier for you to reach your goals. Getting started is simple! You can find all the details about eligibility and what it takes to join us by visiting this link. Once you're ready, opening an account is just as easy; check out the steps at this page. If you have any questions or need assistance, feel free to call 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 to welcome you into our community!

Business Banking & Commercial Services

Lending Solutions That Fuel 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. Imagine having access to the funds you need to purchase new equipment or expand your operations all while working with a team that prioritizes your success.

Merchant Services Made Easy

In today's fast-paced market, efficient payment processing can make all the difference. Our merchant services simplify transactions, allowing you to focus on what truly matters running your business. Picture this: a customer walks into your store, makes a purchase, and seamlessly pays with their card without any hassle. That's the kind of experience we help create. Visit us at 206 N Clark St Olean Ny 14760 in Olean, NY or call us at (716) 372-6607 to learn more about how our business banking solutions can empower your enterprise!

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we know how vital it is to have reliable financial support. That's why we offer comprehensive business banking services, including merchant services and business loans designed to help you grow and succeed.

Convenient Access

Our branch provides essential ATM & cash withdrawal services, so accessing your money is never a hassle. Plus, with our basic drive-thru banking services, making deposits or withdrawals is quick and easy perfect for those busy days when you're on the go.

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase can bring you closer to exciting perks and benefits. Whether it's cashback on groceries or points toward travel, we've got options that fit your lifestyle.

Digital Features

In today's fast-paced world, convenience is key. At High Point, we prioritize ease of access with features like mobile payments, e-statements, and person-to-person payment options. Managing your finances has never been easier or more secure. As you explore these offerings at High Point Fcu, remember that we are just a phone call away at (716) 372-6607. Our friendly staff is ready to assist you with any questions or concerns about our services. Come visit us at 206 N Clark St Olean Ny 14760 in Olean, NY, or check out our website at https://www.highpointfcu.com/ for more information. Let's work together towards a brighter financial future!

Loans for Every Need

Looking to purchase a vehicle? Our auto loans and vehicle financing options make it easy for you to get behind the wheel of your dream car without breaking the bank. If buying a home is on your mind, consider our competitive mortgage loans and refinancing services that can help you secure the best rates available. For those unexpected expenses or consolidating debt, our personal loans are here to provide support when you need it most.

Personal Banking

We offer personal banking solutions that cater to both everyday needs and long-term aspirations. You can open checking and savings accounts designed for convenience and flexibility. Imagine effortlessly managing your money with our online and mobile banking options, allowing you to check balances, transfer funds, and pay bills from anywhere.

Digital & Online Banking

Key Services for Your Convenience

Our online banking platform provides 24/7 access to your accounts. Whether you're checking balances, making transfers, or paying bills, you can do it all from the comfort of your home or on-the-go. Plus, with our electronic signature authorization feature, signing documents is as simple as a few taps on your screen no need for printing or scanning. For those who prefer paperless options, we offer e-statements that allow you to view and manage your financial statements securely online. This not only helps you stay organized but also contributes to a more sustainable environment by reducing paper waste.

Mobile Banking at Your Fingertips

Take your banking experience further with our mobile application. Available for download, this app empowers you with features like mobile payments and person-to-person transfers. Imagine sending money to a friend in seconds or paying for groceries right from your phone it's banking made easy!

Security You Can Trust

Your safety is our priority. We utilize advanced security measures to protect your personal and financial information so that you can bank with peace of mind. Our user-friendly interface ensures that navigating through various services is straightforward, allowing you to focus on what matters most your financial goals. Join us at High Point today and experience the convenience of modern banking! Whether it's through our website or mobile app, we're here to support you every step of the way in managing your finances effectively.

Financial Strength

Commitment to Operational Excellence

Our $2,400,864 reflects our operational efficiency, enabling us 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts: 40,555, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 206 N Clark St Olean Ny 14760 or call (716) 372-6607 to learn more about how we can help you achieve your financial goals.

Investment in Member Services

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 members' financial goals across various sectors with $3,306 in used auto loans and $189,174,870 in total loans and leases.

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.

Strong 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. 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.

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 purchasing a brand-new car or a reliable used vehicle, our flexible terms make it easier than ever to drive away happy.

Business Loans

For business owners, our outstanding commercial loans totaling $33,225,185 provide the capital needed to grow and expand. We understand the challenges that come with running a business and are committed to providing support through tailored lending solutions. At High Point, we prioritize your financial well-being. Our team is dedicated to ensuring that you find the right loan product that meets your individual needs. If you're considering refinancing or want to learn about eligibility options for our various loan offerings, please reach out to us at (716) 372-6607 during our operating hours from 8:30 a.m. to 5:30 p.m., Monday through Friday. 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 how we can help you take the next step toward your financial goals!

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 various mortgage solutions tailored to fit different budgets and lifestyles. Our knowledgeable staff is here to guide you through the process and answer any questions you might have.

Unsecured 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. Our credit cards come with competitive rates and no hidden fees, making them an excellent option for everyday purchases or unexpected expenses.

Loan Aggregator

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HIGH POINT FEDERAL CREDIT UNION - Olean, NY

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