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 Compass Federal Credit Union Rates & Review September 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.
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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 and Verified: September 21, 2026
Compass Federal Credit Union's 3 Years CD rates are at 1.80%, 4 Years CD rates are at 1.80%, 5 Years CD rates are at 1.80%, 2 Years CD rates are at 1.75%, 18 month CD rates are at 1.60%. Compass Federal Credit Union's savings rates are at 0.25%. Compass Federal Credit Union's Personal Loan Rates are as low as 7.99%. Compass Federal Credit Union's Credit Card Rates are at 9.90%. 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 2.02%. Rates last updated and verified on 09/21/2026. 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 Money Market Rates
Compass Federal Credit Union Checking Rates
Compass Federal Credit Union Home Equity & HELOC
Compass Federal Credit Union Auto Loan Rates
Compass Federal Credit Union RV, Boat and Powersport Loan Rates
Compass Federal Credit Union Credit Card Rates
Compass Federal Credit Union Personal Loan Rates
Compass Federal Credit Union Other Rates
Financial Health HistoryCompass Federal Credit Union’s Texas Ratio fell from 3.00% in Q2 2023 to 2.02% 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. 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
25
Part-Time Employees
0
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
2.02%
Return on Assets (ROA)
0.5825%
Return on Equity (ROE)
3.8207%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
99,145,365
Total Amount of Shares and Deposits
83,216,854
Total Shares and Deposits < 1 Year
82,356,091
Total Shares and Deposits 1 3 Years
426,120
Total Shares and Deposits > 3 Years
434,639
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,545,466
Total Uninsured Shares and Deposits > $250K (F+J)
6,545,466
Total Insured Shares and Deposits > $250K (item 17 less item K)
76,671,388
Total Interest Expense (Sum of items 6 8)
176,483
Share Certificates
479
Number of Accounts for Share Drafts
6,408
IRA KEOGH Accounts
46
Number of Accounts for Regular Shares
9,536
All other shares
1,780
Money Market Shares
75
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)
13,857,828
Total Liabilities
84,029,164
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Compass Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Compass Federal Credit Union
Frequently Asked Questions About Compass Federal Credit UnionHow 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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