Last Updated: 01/21/2026
High Point FCU myDividend Checking Account
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Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10% - 2.00%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
High Point FCU myDividend Checking Account Review
The High Point FCU myDividend Checking Account is offered by High Point Federal Credit Union, a credit union founded in 1972 and based in Olean, NY. High Point FCU myDividend Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 2.00% annual percentage yield (APY). This account offers an annual percentage yield of up to 2.00%, which is much higher than the average for the checking accounts that we track However, you must keep a minimum balance of $300.
- No monthly maintenance fees. This account does not charge any monthly account fees as long as you keep a minimum balance of $300 .
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. High Point FCU myDividend Checking Account does not charge fees on ATM transactions .
High Point FCU myDividend Checking Account Pros & Cons
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High Point FCU myDividend Checking Account FAQ
Are checking accounts from High Point Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does High Point FCU myDividend Checking Account offer?
High Point FCU myDividend Checking Account offers an APY starting at 0.10% and ranging up to 2.00% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $300.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.10% - 2.00% |
What are the account minimums for High Point FCU myDividend Checking Account?
High Point FCU myDividend Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $300 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $300 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does High Point FCU myDividend Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does High Point FCU myDividend Checking Account offer?
This account includes the following features:
- Mobile Banking Services - High Point FCU myDividend Checking Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for High Point FCU myDividend Checking Account?
The customer support email for High Point FCU myDividend Checking Account is contactus@highpointfcu.com.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed