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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Compass Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Compass Federal Credit Union's 6 Month CD rates are at 3.50%, 1 Year CD rates are at 3.25%, 3 Years CD rates are at 1.80%, 4 Years CD rates are at 1.80%, 5 Years CD rates are at 1.80%. Compass Federal Credit Union's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of Compass Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.71%. Rates were last updated on 04/18/2026. Compass Federal 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 Federal Credit Union? Share your experience about Compass Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Compass Federal Credit Union. Compass Federal Credit Union
Compass Federal CU 131 George St
https://www.compassfcu.com Oswego, NY 13126 2915 
Compass Federal Credit Union CD Rates
Compass Federal Credit Union Savings Rates
Compass Federal Credit Union Home Equity & HELOC
Compass Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Compass Federal 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 Federal 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 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Compass Federal Credit Union
Website
https://www.compassfcu.com
Address
131 George St,
Oswego, NY 13126 2915
Phone
315-342-5300
Fax
315-342-5294
President
Michael Pisa
CEO
Jennifer Rupert
Full-Time Employees
24
Part-Time Employees
1
Branch Locations
5
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.71%
Return on Assets (ROA)
0.7163%
Return on Equity (ROE)
4.8830%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
99,937,914
Total Amount of Shares and Deposits
84,369,290
Total Shares and Deposits < 1 Year
83,150,580
Total Shares and Deposits 1 3 Years
776,343
Total Shares and Deposits > 3 Years
442,366
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,180,849
Total Uninsured Shares and Deposits > $250K (F+J)
5,180,849
Total Insured Shares and Deposits > $250K (item 17 less item K)
79,188,441
Total Interest Expense (Sum of items 6 8)
565,861
Share Certificates
541
Number of Accounts for Share Drafts
6,454
IRA KEOGH Accounts
139
Number of Accounts for Regular Shares
9,518
All other shares
1,789
Money Market Shares
75
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,180,459
Total Liabilities
85,278,339
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Compass Federal Credit UnionIs Compass Federal Credit Union a safe place to deposit money?Yes, Compass Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.7108289292152%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Compass Federal Credit Union operate?Compass Federal 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 Federal Credit Union?Yes, to access services at Compass Federal 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 Federal 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Compass Federal Credit Union offer online and mobile banking?Most modern institutions like Compass Federal 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.compassfcu.com. Current Compass Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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