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Compass Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 29, 2026
Compass Federal Credit Union's CD - 3 Years rates are at 1.80%, CD - 4 Years rates are at 1.80%, CD - 5 Years rates are at 1.80%, CD - 2 Years rates are at 1.75%, CD - 18 month rates are at 1.60%. Compass Federal Credit Union's savings rates are at 0.25%. Compass Federal Credit Union's money market rates are at 1.60%. Compass Federal Credit Union's checking rates are as high as 1.25%. 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%. Compass Federal Credit Union's CD rates are 43% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 1.54%. Rates last updated and verified on 10/29/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Compass Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.54%
ExcellentLower than avg
Compass Federal Credit Union Texas Ratio
Compass Federal Credit Union's Texas Ratio is 1.54%, which is considered excellent and is lower than the national average of 6.13%.
Compass Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.23% to 1.54% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Compass Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Share Certificate - 3 Years
1.785%
1.80%
3 Years
Min Balance$1,000
DetailsShare Certificate Plus Program available for terms of 2 years or longer (minimum deposit $5,000)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Share Certificate - 4 Years
1.785%
1.80%
4 Years
Min Balance$1,000
DetailsShare Certificate Plus Program available for terms of 2 years or longer (minimum deposit $5,000)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Share Certificate - 5 Years
1.785%
1.80%
5 Years
Min Balance$1,000
DetailsShare Certificate Plus Program available for terms of 2 years or longer (minimum deposit $5,000)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Share Certificate - 2 Years
1.736%
1.75%
2 Years
Min Balance$1,000
DetailsShare Certificate Plus Program available for terms of 2 years or longer (minimum deposit $5,000)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Share Certificate - 18 month
1.588%
1.60%
18 Months
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Share Certificate - 1 Year
1.44%
1.45%
1 Year
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 1.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Share Certificate - 6 Month
1.292%
1.30%
6 Month
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 1.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Compass Federal Credit Union Savings Rates
Product
Rate
APY
View More
Regular, Christmas, Special Savings
0.25%
0.25%
Min Deposit$5
Min Balance$100
DetailsBalance: $100 to $4,999
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Regular, Christmas, Special Savings
0.25%
0.25%
Min Deposit$5
Min Balance$5,000
DetailsBalance: $5,000 to $9,999
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Regular, Christmas, Special Savings
0.25%
0.25%
Min Deposit$5
Min Balance$10,000
DetailsBalance: $10,000 and up
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Compass Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Account
1.588%
1.60%
Min Balance$250,000
DetailsBalance: $250,000 and up; Dividend rate applies only if average daily balance meets the tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Money Market Account
1.44%
1.45%
Min Balance$100,000
DetailsBalance: $100,000 and up; Dividend rate applies only if average daily balance meets the tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Money Market Account
1.292%
1.30%
Min Balance$50,000
DetailsBalance: $50,000 to $99,999; Dividend rate applies only if average daily balance meets the tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Money Market Account
1.144%
1.15%
Min Balance$25,000
DetailsBalance: $25,000 to $49,000; Dividend rate applies only if average daily balance meets the tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Money Market Account
0.995%
1.00%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999; Dividend rate applies only if average daily balance meets the tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
1 change since Sep 14, 2026 · 1.24% → 1.25% ▲ 0.01 pts · high 1.25% / low 1.24%
Oct 13, 20261.25%▲ from 1.24%
Sep 14, 20261.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Compass Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Fixed
-
-
4.99%
60 Months
DetailsAs Low As; LTV: 80%
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Home Equity Fixed
-
-
5.99%
120 Months
DetailsAs Low As; LTV: 80%
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Home Equity Fixed
-
-
5.99%
60 Months
DetailsAs Low As; LTV: 80.01% - 90%
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Home Equity Fixed
-
-
6.49%
180 Months
DetailsAs Low As; LTV: 80%
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Home Equity Fixed
-
-
7.00%
120 Months
DetailsAs Low As; LTV: 80.01% - 90%
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Home Equity Fixed
-
-
7.49%
240 Months
DetailsAs Low As; LTV: 80%
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Home Equity Fixed
-
-
7.49%
180 Months
DetailsAs Low As; LTV: 80.01% - 90%
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Home Equity Fixed
-
-
8.99%
240 Months
DetailsAs Low As; LTV: 80.01% - 90%
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Compass Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Vehicle Loans
-
-
3.49%
DetailsAs Low As; Featured rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - New Untitled Vehicle/Motorcycle
-
-
4.99%
36 Months
DetailsAs Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - New Untitled Vehicle/Motorcycle
-
-
5.49%
48 Months
DetailsAs Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - New Untitled Vehicle/Motorcycle
-
-
5.74%
60 Months
DetailsAs Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2023-2026 Vehicle/Motorcycle
-
-
5.74%
48 Months
DetailsAs Low As; Vehicle Year/Status: Used 2023-2026 Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2023-2026 Vehicle/Motorcycle
-
-
5.99%
60 Months
DetailsAs Low As; Vehicle Year/Status: Used 2023-2026 Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - New Untitled Vehicle/Motorcycle
-
-
6.49%
72 Months
DetailsAs Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; Loan amounts of $20,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2019-2022 Vehicle/Motorcycle
-
-
6.74%
48 Months
DetailsAs Low As; Vehicle Year/Status: Used 2019-2022 Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2023-2026 Vehicle/Motorcycle
-
-
6.74%
72 Months
DetailsAs Low As; Vehicle Year/Status: Used 2023-2026 Vehicle/Motorcycle; Loan amounts of $20,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2019-2022 Vehicle/Motorcycle
-
-
6.99%
60 Months
DetailsAs Low As; Vehicle Year/Status: Used 2019-2022 Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - New Untitled Vehicle/Motorcycle
-
-
7.24%
84 Months
DetailsAs Low As; Vehicle Year/Status: New Untitled Vehicle/Motorcycle; Loan amounts of $25,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2023-2026 Vehicle/Motorcycle
-
-
7.49%
84 Months
DetailsAs Low As; Vehicle Year/Status: Used 2023-2026 Vehicle/Motorcycle; Loan amounts of $25,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2018 and Older Vehicle/Motorcycle
-
-
7.74%
48 Months
DetailsAs Low As; Vehicle Year/Status: Used 2018 and Older Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2019-2022 Vehicle/Motorcycle
-
-
7.74%
72 Months
DetailsAs Low As; Vehicle Year/Status: Used 2019-2022 Vehicle/Motorcycle; Loan amounts of $20,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2018 and Older Vehicle/Motorcycle
-
-
8.49%
60 Months
DetailsAs Low As; Vehicle Year/Status: Used 2018 and Older Vehicle/Motorcycle; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2019-2022 Vehicle/Motorcycle
-
-
8.49%
84 Months
DetailsAs Low As; Vehicle Year/Status: Used 2019-2022 Vehicle/Motorcycle; Loan amounts of $25,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2018 and Older Vehicle/Motorcycle
-
-
9.49%
72 Months
DetailsAs Low As; Vehicle Year/Status: Used 2018 and Older Vehicle/Motorcycle; Loan amounts of $20,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Auto Loan - Used 2018 and Older Vehicle/Motorcycle
-
-
9.99%
84 Months
DetailsAs Low As; Vehicle Year/Status: Used 2018 and Older Vehicle/Motorcycle; Loan amounts of $25,000 or more; *Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Compass Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New RV Loan
-
6.24%
48 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
New RV Loan
-
6.49%
60 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Used RV Loan
-
6.74%
48 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card; If older model than 2006, add 2.00%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
New RV Loan
-
6.99%
120 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Used RV Loan
-
6.99%
60 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card; If older model than 2006, add 2.00%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
New RV Loan
-
7.24%
144 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Used RV Loan
-
7.49%
120 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card; If older model than 2006, add 2.00%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Used RV Loan
-
7.74%
144 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card; If older model than 2006, add 2.00%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
New RV Loan
-
8.24%
180 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Used RV Loan
-
8.74%
180 Months
DetailsAs Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card; If older model than 2006, add 2.00%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Compass Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Classic
-
9.90%
DetailsPurchase APR; Cash Advance APR: 11.9%; Limit: $10,000; Grace Period: 25 days; Late Fee: $20.00; Over-the-limit: No fee
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Visa Junior
-
9.90%
DetailsPurchase APR; Cash Advance APR: 11.9%; Limit: $500; Grace Period: 25 days; Late Fee: $1.00; Over-the-limit: No fee
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Visa Platinum
-
9.90%
DetailsPurchase APR; Cash Advance APR: 11.9%; Limit: $15,000; Grace Period: 25 days; Late Fee: $20.00; Over-the-limit: No fee
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Visa Platinum with Rewards
-
10.90%
DetailsPurchase APR; Cash Advance APR: 12.9%; Limit: $15,000; Grace Period: 25 days; Late Fee: $20.00; Over-the-limit: No fee; Two rewards points for each dollar spent
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Compass Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Loan
7.99%
84 Months
DetailsAs Low As; Rate includes 0.25% discount for payroll deduction or automatic payment and 0.25% discount for Compass debit card holders
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.99% → 7.99% ▼ 0.00 pts · high 8.49% / low 7.99%
Oct 23, 20267.99%▼ from 8.49%
Oct 15, 20268.49%▲ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Unsecured Loan
8.49%
84 Months
DetailsPublished APR range: 8.49%/7.99%. Credit Score: 730 & Above; Credit Grade: A+; Maximum Loan: $20,000; APR shown as standard/discounted (0.25% payroll deduction or automatic payment and 0.25% Compass debit card discount)
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99%
Oct 15, 20268.49%▲ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Unsecured Loan
8.99%
84 months
DetailsPublished APR range: 8.99%/8.49%. Credit Score: 680 to 729; Credit Grade: A; Maximum Loan: $20,000; APR shown as standard/discounted (0.25% payroll deduction or automatic payment and 0.25% Compass debit card discount)
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.99% ▲ 1.00 pts · high 8.99% / low 7.99%
Oct 15, 20268.99%▲ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Unsecured Loan
9.99%
72 months
DetailsPublished APR range: 9.99%/9.49%. Credit Score: 640 to 679; Credit Grade: B; Maximum Loan: $15,000; APR shown as standard/discounted (0.25% payroll deduction or automatic payment and 0.25% Compass debit card discount)
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 9.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Unsecured Loan
12.49%
60 months
DetailsPublished APR range: 12.49%/11.99%. Credit Score: 600 to 639; Credit Grade: C; Maximum Loan: $10,000; APR shown as standard/discounted (0.25% payroll deduction or automatic payment and 0.25% Compass debit card discount)
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 12.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Unsecured Loan
15.49%
60 months
DetailsPublished APR range: 15.49%/14.99%. Credit Score: 550 to 599; Credit Grade: D; Maximum Loan: $5,000; APR shown as standard/discounted (0.25% payroll deduction or automatic payment and 0.25% Compass debit card discount)
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 15.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Unsecured Loan
18.00%
60 months
DetailsPublished APR range: 18.00%/17.50%. Credit Score: 549 & Below; Credit Grade: E; Maximum Loan: $5,000; APR shown as standard/discounted (0.25% payroll deduction or automatic payment and 0.25% Compass debit card discount)
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 18.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Compass Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
90-Day Note Loan
-
-
15.00%
90 days
DetailsAs Low As; up to $20,000.00; $25 application fee; may be converted to a 4-year loan with payroll deduction
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 15.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Holiday Loan
-
-
6.00%
Details$3,000 loan amount; featured holiday loan rate
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 6.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
IRAs
0.25%
-
0.25%
Min Deposit$5
Min Balance$5
DetailsBalance: $5.00 and up
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Young Bucks, Teen Tycoons
0.25%
-
0.25%
Min Deposit$5
Min Balance$5
DetailsBalance: $5.00 to $4,999
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Young Bucks, Teen Tycoons
0.25%
-
0.25%
Min Deposit$5
Min Balance$5,000
DetailsBalance: $5,000 to $9,999
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Young Bucks, Teen Tycoons
0.25%
-
0.25%
Min Deposit$5
Min Balance$10,000
DetailsBalance: $10,000 and up
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.54%
Financial Health History
Compass Federal Credit Union’s Texas Ratio fell from 3.23% in Q3 2023 to 1.54% in Q2 2026, so its financial health has improved and is now 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
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$101M
1.54%
5.0
A+
March 31, 2026
$99M
2.02%
5.0
A+
December 31, 2025
$101M
2.68%
5.0
A+
September 30, 2025
$100M
2.62%
5.0
A+
June 30, 2025
$96M
1.77%
5.0
A+
March 31, 2025
$95M
1.65%
5.0
A+
December 31, 2024
$89M
1.87%
5.0
A+
September 30, 2024
$92M
1.65%
5.0
A+
June 30, 2024
$88M
2.70%
5.0
A+
March 31, 2024
$88M
1.62%
5.0
A+
December 31, 2023
$85M
2.89%
5.0
A+
September 30, 2023
$89M
3.23%
5.0
A+
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 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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,187,966
Total Uninsured Shares and Deposits > $250K (F+J)
6,187,966
Total Insured Shares and Deposits > $250K (item 17 less item K)
78,819,525
Total Interest Expense (Sum of items 6 8)
331,550
Share Certificates
358
Number of Accounts for Share Drafts
6,493
IRA KEOGH Accounts
126
Number of Accounts for Regular Shares
9,528
All other shares
1,766
Money Market Shares
76
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)
15,533,589
Total Liabilities
85,987,027
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Compass Federal Credit Union earned the Verified Healthy 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Compass Federal Credit Union
Frequently Asked Questions About Compass Federal Credit Union
Does Compass Federal Credit Union offer CDs?
Yes. Compass Federal Credit Union current CD rates include its CD - 3 Years at 1.80% APY, its CD - 4 Years at 1.80% APY and its CD - 5 Years at 1.80% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Compass Federal Credit Union NCUA insured?
Yes. Compass Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Compass Federal Credit Union?
The highest Compass Federal Credit Union CD rate is its CD - 3 Years at 1.80% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Compass Federal Credit Union offer?
Compass Federal Credit Union CD rates are 1.45% APY for a 12 month CD, 1.60% APY for an 18 month CD, 1.75% APY for a 2 year CD, 1.80% APY for a 3 year CD, 1.80% APY for a 4 year CD and 1.80% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Compass Federal Credit Union for its full lineup.
What is the highest savings rate at Compass Federal Credit Union?
The highest Compass Federal Credit Union savings rate is its Regular, Christmas, Special Savings at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Compass Federal Credit Union?
The highest Compass Federal Credit Union money market rate is its Money Market Account at 1.60% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Compass Federal Credit Union?
The highest Compass Federal Credit Union checking rate is its Premier Checking at 1.25% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Compass Federal Credit Union?
The lowest Compass Federal Credit Union auto loan rate is its Vehicle Loans at 3.49% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Compass Federal Credit Union?
The lowest Compass Federal Credit Union personal loan rate is its Unsecured Loan at 7.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Compass Federal Credit Union?
The lowest Compass Federal Credit Union credit card APR is its Visa Classic Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Compass Federal Credit Union rates compare?
Compass Federal Credit Union's CD rates are 43% lower than the MonitorBankRates national average, and it has an A+ health rating. Compass Federal Credit Union's top rates are its CD - 3 Years at 1.80% APY, its Regular, Christmas, Special Savings at 0.25% APY, its Money Market Account at 1.60% APY, its Premier Checking at 1.25% APY, its Unsecured Loan at 7.99% APR and its Visa Classic Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.
Current Compass Federal Credit Union Rates
12-Month CD1.45%
18-Month CD1.60%
24-Month CD1.75%
60-Month CD1.80%
Savings0.25%
MMA1.60%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
