Purchase APR
11–17.50%
Annual fee
None
Foreign fee
1%
0% transfers · 18 mo
720+Cashback
Carrying $3k for a year ≈ $435
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65
VISA Platinum
High Point Federal Credit Union
RegionalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11.50–17.99%
Annual fee
None
0% intro
1.99%
0% transfer
1.99%
Foreign fee
1%
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
15.50%
≤619
15.50%
620–719
14.50%
720+
11.50%
Lowest offered11.50%
Median14.50%
Highest offered17.99%
Introductory purchase APR
Promotional window: 6 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered1.99%
Median1.99%
Highest offered1.99%
Balance transfer APR
Promotional window: 6 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered1.99%
Median1.99%
Highest offered1.99%
Cash advance APR
No score
15.50%
≤619
17.99%
620–719
14.50%
720+
11.50%
Lowest offered11.50%
Median—
Highest offered17.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee1% (min $1)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$20
Repeat late fee (6 mo)$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$30
Statement Copy Fee$2
Card Replacement Fee$7
Late fee policy: If the amount owed is less than $20, the late fee cannot be more than what is owed.
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
- Other rewards
Services
- Debt cancellation coverage
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Gift Cards
Who can get this card
AvailabilityRegional
StatesNY, PA
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
Geographic: Live, work, worship. attend school or regularly conduct business in McKean and Potter Counties in PA or Cattaraugus and Allegany Counties in NY
Phone800-854-6052
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 1.99%$24.88
You save$275.13
Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 14.50% afterwards.
Cost to carry a balance
Interest for a year at 14.50%$435.00
Annual / periodic fees$0
Total yearly cost$435.00
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by High Point Federal Credit Union in the 2026 Q1 archive.
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