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Compass Community Credit Union Rates & Review September 2026

Compass Community Credit Union's Special 11-Month Term CD rates are at 4.25%, 48-Month Term CD rates are at 4.06%, 60-Month Term CD rates are at 4.06%, 14 Month Term CD Special rates are at 3.96%, Special 14-Month Term CD rates are at 3.96%. Compass Community Credit Union's savings rates are at 0.20%. Compass Community Credit Union's Personal Loan Rates are as low as 10.99%. Compass Community Credit Union's Credit Card Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Compass Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates last updated and verified on 09/22/2026.

Compass Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Compass Community Credit Union? Share your experience about Compass Community Credit Union by leaving a review below, or read customer reviews before you decide to use Compass Community Credit Union.

Ranked #80 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026 Ranked #80 Healthiest Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.02%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Compass Community Credit Union
Main
321 Wabash Ave
Eureka, CA 95501
https://www.compassccu.org
Member NCUA

Compass Community Credit Union CD Rates

Product Rate APY Term View More
Special 11-Month Term Share Certificate 4.18% 4.25% 11-Month
Min Balance $7,500
Details Existing Compass CCU funds ineligible
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
48-Month Term Share Certificate 4.00% 4.06% 48-Month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
60-Month Term Share Certificate 4.00% 4.06% 60-Month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
14 Month Term Share Certificate Special - 3.96% 14-months
Min Deposit $500
Details At maturity, the 14-month certificate will automatically renew at the current 12-month rate unless notified in writing prior to the maturity date. Interest penalty for early withdrawals of 90 days. Rates as of 08/17/2026. Offers, terms, and conditions are subject to change or discontinuation at any time without notice.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Special 14-Month Term Share Certificate 3.90% 3.96% 14-Month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
36-Month Term Share Certificate 3.85% 3.91% 36-Month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
24-Month Term Share Certificate 3.75% 3.80% 24-Month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
12-Month Term Share Certificate 3.50% 3.55% 12-Month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
6-Month Term Share Certificate 3.00% 3.03% 6-Month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%

Compass Community Credit Union Savings Rates

Product Rate APY View More
Holiday Club Account 0.20% 0.20%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Savings (Share) Account 0.20% 0.20%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Secondary Savings Account 0.20% 0.20%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%

Compass Community Credit Union Checking Rates

Product Rate APY View More
Directional Checking 2.86% 2.90%
Min Balance $150,000
Details Balance: $150,000.01 +; Tier 5 Balances $150,000.01 +
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Directional Checking 1.98% 2.00%
Min Balance $75,000
Details Balance: $75,000.01 - $150,000; Tier 4 Balances $75,000.01 - $150,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Directional Checking 0.50% 0.50%
Min Balance $25,000
Details Balance: $25,000.01 - $75,000; Tier 3 Balances $25,000.01 - $75,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Directional Checking 0.15% 0.15%
Min Balance $0
Details Balance: $0 - $25,000; Tier 2 Balances $0 - $25,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Directional Checking 0.01% 0.01%
Details Tier 1 All balances, no conditions met
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%

Compass Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans (2022 or newer) - - 3.99% 36 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 4.49% 36 Months
Details As Low As;; Model Year: 2020 - 2021
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans (2022 or newer) - - 4.74% 48 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans (2022 or newer) - - 4.99% 60 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans (2022 or newer) - - 5.49% 72 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 5.99% 60 Months
Details As Low As;; Model Year: 2020 - 2021
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans (2022 or newer) 5.99% - 5.99% 60 months
Details Finance up to 125% maximum loan-to-value (LTV) which is MSRP/Retail Kelley Blue Book/NADA Value. The maximum LTV includes tax, title, and license.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 6.24% 72 Months
Details As Low As;; Model Year: 2020 - 2021
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans (2022 or newer) - - 6.49% 84 Months
Details As Low As; Minimum $20,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 6.74% 84 Months
Details As Low As; Minimum $20,000; Model Year: 2020 - 2021
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 6.99% 36 Months
Details As Low As;; Model Year: 2016 - 2019
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 7.24% 48 Months
Details As Low As;; Model Year: 2016 - 2019
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 7.49% 60 Months
Details As Low As;; Model Year: 2016 - 2019
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 7.99% 72 Months
Details As Low As;; Model Year: 2016 - 2019
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Auto Loans - - 8.49% 84 Months
Details As Low As; Minimum $20,000; Model Year: 2016 - 2019
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%

Compass Community Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycles (2020 & newer) Loan - 7.49% 36 Months
Details APR* as low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
RV/Boat/Motorcycle Loan - 7.49% 36 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Motorcycles (2020 & newer) Loan - 7.74% 48 Months
Details APR* as low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
RV/Boat/Motorcycle Loan - 7.74% 48 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Motorcycles (2020 & newer) Loan - 7.99% 60 Months
Details APR* as low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
RV/Boat/Motorcycle Loan - 7.99% 60 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
RV/Boat/Motorcycle Loan - 8.24% 72 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
RV/Boat/Motorcycle Loan - 8.74% 84 Months
Details As Low As
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
RV/Boat/Motorcycle Loan - 9.24% 120 Months
Details As Low As; Minimum $20,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
RV/Boat/Motorcycle Loan - 9.99% 180 Months
Details As Low As; Minimum $50,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%

Compass Community Credit Union Credit Card Rates

Product Rate APR View More
Visa Classic - 10.99%
Details As Low As; Foreign Transaction Fee: 1.00% of each multiple currency transactions in US Dollars; 0.80% of each single currency transaction in US Dollars; Late Payment: Up to $10.00; Returned Payment: Up to $15.00
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%
Visa Secured - 15.00%
Details Foreign Transaction Fee: 1.00% of each multiple currency transaction in US Dollars; 0.80% of each single currency transaction in US Dollars; Late Payment: Up to $10.00; Returned Payment: Up to $15.00
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%

Compass Community Credit Union Personal Loan Rates

Product APR Term View More
Personal/Signature Loan 10.99% Up to 60 Months
Details As Low As; Max Amount: $25,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.02%

Financial Health History

Compass Community Credit Union’s Texas Ratio stayed near 0.26% in Q2 2023 to 0.02% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.7% 2.0★ 1.5% 3.0★ 2.2% 4.0★ 2.9% 5.0★ Healthy zone – entire history below the 15% limit 0.26% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 0.02% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$181M0.02%5.0A+
December 31, 2025$178M0.24%5.0A+
September 30, 2025$175M0.31%5.0A+
June 30, 2025$178M0.17%5.0A+
March 31, 2025$175M0.64%5.0A+
December 31, 2024$175M2.17%5.0A+
September 30, 2024$174M0.59%5.0A+
June 30, 2024$177M1.51%5.0A+
March 31, 2024$172M0.16%5.0A+
December 31, 2023$173M0.03%5.0A+
September 30, 2023$177M0.29%5.0A+
June 30, 2023$176M0.26%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Compass Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Compass Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Compass Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Compass Community Credit Union
Address 321 Wabash Ave, Eureka, CA 95501
Phone 707-443-8662
Fax 707-630-5221
President DAX WILLIAMSON
CEO Ray Litchfield
Full-Time Employees 23
Part-Time Employees 3
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.02%
Return on Assets (ROA)
0.1107%
Return on Equity (ROE)
0.9423%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
180,859,187
Total Amount of Shares and Deposits
159,219,370
Total Shares and Deposits < 1 Year
156,226,950
Total Shares and Deposits 1 3 Years
2,208,883
Total Shares and Deposits > 3 Years
783,537
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,302,064
Total Uninsured Shares and Deposits > $250K (F+J)
21,302,064
Total Insured Shares and Deposits > $250K (item 17 less item K)
137,917,306
Total Interest Expense (Sum of items 6 8)
720,221
Share Certificates
896
Number of Accounts for Share Drafts
2,560
IRA KEOGH Accounts
204
Number of Accounts for Regular Shares
5,796
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
17,651,801
Total Liabilities
159,657,167
Source: NCUA — Last Updated 03/31/2026
Ranked #80 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026
2026 MBR Health & Safety Badge

Compass Community Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/compass-community-credit-union-rates-review-61933">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #80 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

There are no reviews for Compass Community Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Compass Community Credit Union

How many branches does Compass Community Credit Union operate?

Compass Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Compass Community Credit Union?

Yes, to access services at Compass Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Compass Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Compass Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Compass Community Credit Union offer online and mobile banking?

Most modern institutions like Compass Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.compassccu.org.

Current Compass Community Credit Union Rates

  • 12-Month CD3.55%
  • 24-Month CD3.80%
  • 60-Month CD4.06%
  • Savings0.20%
Retrieved from our database of financial products. Rates subject to change.