What are the current interest rates at Compass Federal Credit Union?

Current rates for Compass Federal Credit Union include: 12-Month CD: 1.45%, 18-Month CD: 1.60%, 24-Month CD: 1.75%, 60-Month CD: 1.80%, Savings: 1.60%

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Compass Federal Credit Union

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Compass Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Compass Federal Credit Union's top rates as of October 9, 2026 are 1.80% APY on its 3 Years CD, 1.60% APY on savings, 1.24% APY on checking, personal loans from 7.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Compass Federal Credit Union CD rates include 4 Years CD at 1.80%, 5 Years CD at 1.80%, and 2 Years CD at 1.75%. 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 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.54%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Compass Federal Credit Union
Compass Federal CU

131 George St
Oswego, NY 13126-2915

https://www.compassfcu.com

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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
3 Years Share Certificate	1.785%	1.80%	3 Years
Min Deposit $1,000 Min Balance $1,000 Details 3 Years* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
4 Years Share Certificate	1.785%	1.80%	4 Years
Min Deposit $1,000 Min Balance $1,000 Details 4 Years* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
5 Years Share Certificate	1.785%	1.80%	5 Years
Min Deposit $1,000 Min Balance $1,000 Details 5 Years* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
2 Years Share Certificate	1.736%	1.75%	2 Years
Min Deposit $1,000 Min Balance $1,000 Details 2 Years* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
18 month Share Certificate	1.588%	1.60%	18 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
1 Year Share Certificate	1.44%	1.45%	1 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
6 Month Share Certificate	1.292%	1.30%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Compass Federal Credit Union Savings Rates

Product	Rate	APY
Savings Rate	1.588%	1.60%
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Savings Rate	1.44%	1.45%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Savings Rate	1.292%	1.30%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Savings Rate	-	1.25%
Min Balance $1,000 Details Balance: $1000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Savings Rate	1.144%	1.15%
Min Balance $25,000 Details Balance: $25,000 to $49,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 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 $100 Details Average Daily Balance Required for Dividend Rate: $100 to $4,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 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 Details Average Daily Balance Required for Dividend Rate: $5,000 to $9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 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 Details Average Daily Balance Required for Dividend Rate: $10,000 and up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Compass Federal Credit Union Checking Rates

Product	Rate	APY	View More
Premier Checking	-	1.243%
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Minimum daily balance of $1000; Five (5) debit card transactions by the end of each month (posted by 5 p.m. on the last day of the month); Direct deposit, e-statements & online banking; Balances up to $25,000 based on the average daily balance. To qualify, members must: Complete five (5) debit card transactions by the end of each month (posted by 5 p.m. on the last day of the month); Have direct deposit, e-statements & online banking Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.24% APY · checked 6 times 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
Home Equity Fixed 80% LTV	-	-	4.99%	60 Months
Details As low as; Rate is fixed. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Loan	-	-	4.99%
Details As low as 4.99% APR*. Members must qualify. No Closing Cost - Must keep for 3 years or pay closing costs. LTV = Loan to Value, APR = Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Fixed 80% LTV	-	-	5.99%	120 Months
Details As low as; Rate is fixed. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Fixed 80.01% - 90% LTV	-	-	5.99%	60 Months
Details As low as; Rate is fixed. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Fixed 80% LTV	-	-	6.49%	180 Months
Details As low as; Rate is fixed. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Fixed 80.01% - 90% LTV	-	-	7.00%	120 Months
Details As low as; Rate is fixed. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Fixed 80% LTV	-	-	7.49%	240 Months
Details As low as; Rate is fixed. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Fixed 80.01% - 90% LTV	-	-	7.49%	180 Months
Details As low as; Rate is fixed. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Fixed 80.01% - 90% LTV	-	-	8.99%	240 Months
Details As low as; Rate is fixed. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 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
New Car Loan	-	-	4.99%	72 months
Details Rates included 0.25% discount for payroll deduction or automatic payment and .25% discount for using a Compass debit card. Collision insurance is not required on auto loan balances under $2,000. The minimum secured loan payment is $100. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New Untitled Vehicle/Motorcycle Loan	-	-	4.99%	36 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used Car Loan	-	-	4.99%
Details Rates included 0.25% discount for payroll deduction or automatic payment and .25% discount for using a Compass debit card. If older model than 2006, add 2.00%. Collision insurance is not required on auto loan balances under $2,000. The minimum secured loan payment is $100. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New Untitled Vehicle/Motorcycle Loan	-	-	5.49%	48 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New Untitled Vehicle/Motorcycle Loan	-	-	5.74%	60 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2023-2026 Vehicle/Motorcycle Loan	-	-	5.74%	48 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2023-2026 Vehicle/Motorcycle Loan	-	-	5.99%	60 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New Untitled Vehicle/Motorcycle Loan	-	-	6.49%	72 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2019-2022 Vehicle/Motorcycle Loan	-	-	6.74%	48 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2023-2026 Vehicle/Motorcycle Loan	-	-	6.74%	72 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2019-2022 Vehicle/Motorcycle Loan	-	-	6.99%	60 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New Untitled Vehicle/Motorcycle Loan	-	-	7.24%	84 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2023-2026 Vehicle/Motorcycle Loan	-	-	7.49%	84 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2018 and Older Vehicle/Motorcycle Loan	-	-	7.74%	48 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2019-2022 Vehicle/Motorcycle Loan	-	-	7.74%	72 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2018 and Older Vehicle/Motorcycle Loan	-	-	8.49%	60 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2019-2022 Vehicle/Motorcycle Loan	-	-	8.49%	84 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2018 and Older Vehicle/Motorcycle Loan	-	-	9.49%	72 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used 2018 and Older Vehicle/Motorcycle Loan	-	-	9.99%	84 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 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
New RV Loan	-	6.24%	48 Months
Details As low as; Vehicle Status: New RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New RV Loan	-	6.49%	60 Months
Details As low as; Vehicle Status: New RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used RV Loan	-	6.74%	48 Months
Details As low as; Vehicle Status: Used RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New RV Loan	-	6.99%	120 Months
Details As low as; Vehicle Status: New RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used RV Loan	-	6.99%	60 Months
Details As low as; Vehicle Status: Used RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New RV Loan	-	7.24%	144 Months
Details As low as; Vehicle Status: New RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used RV Loan	-	7.49%	120 Months
Details As low as; Vehicle Status: Used RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used RV Loan	-	7.74%	144 Months
Details As low as; Vehicle Status: Used RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New RV Loan	-	8.24%	180 Months
Details As low as; Vehicle Status: New RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used RV Loan	-	8.74%	180 Months
Details As low as; Vehicle Status: Used RV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Compass Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic	-	9.90%
Details Limit: $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Visa Junior	-	9.90%
Details Limit: $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Visa Platinum	-	9.90%
Details Limit: $15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Visa Platinum with Rewards	-	10.90%
Details Limit: $15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Visa Classic	-	11.90%
Details Cash Advance; Limit: $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.90% → 11.90% ▲ 2.00 pts · high 11.90% / low 9.90% Oct 5, 202611.90%▲ from 9.90% Sep 14, 20269.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Visa Junior	-	11.90%
Details Cash Advance; Limit: $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.90% → 11.90% ▲ 2.00 pts · high 11.90% / low 9.90% Oct 5, 202611.90%▲ from 9.90% Sep 14, 20269.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Visa Platinum	-	11.90%
Details Cash Advance; Limit: $15,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.90% → 11.90% ▲ 2.00 pts · high 11.90% / low 9.90% Oct 5, 202611.90%▲ from 9.90% Sep 14, 20269.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Visa Platinum with Rewards	-	12.90%
Details Cash Advance; Limit: $15,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.90% → 12.90% ▲ 2.00 pts · high 12.90% / low 10.90% Oct 5, 202612.90%▲ from 10.90% Sep 14, 202610.90%first recorded 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
Details As low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 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
549 & Below Loan	-	-	17.50%	60 months
Details Additional APR listed for this product: 18.00%. Credit Grade: E; Maximum Loan/Term: $5,000/60 months Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 18.00% → 17.50% ▼ 0.50 pts · high 18.00% / low 17.50% Oct 9, 202617.50%▼ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
730 & Above Loan	-	-	7.99%	84 Months
Details Additional APR listed for this product: 8.49%. Credit Grade: A+; Maximum Loan/Term: $20,000/84 Months Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 7.99% ▼ 0.50 pts · high 8.49% / low 7.99% Oct 9, 20267.99%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
90-Day Notes Loan	-	-	15.00%	90-day
Details 90-Day Notes up to $20,000.00 as low as 15% and a $25 application fee. This note may be converted to a 4-year loan with payroll deduction. A converted 90-day note may not be refinanced again during the 4 years. Rate includes 0.25% discount for payroll deduction or automatic payment and .25% discount for Compass debit card holders. APR = Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Holiday Loan	-	-	6.00%
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Loan Rates & Savings Account - 550 to 599 Loan	-	-	14.99%	60 months
Details Additional APR listed for this product: 15.49%. Credit Grade: D; Maximum Loan/Term: $5,000/60 months Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.49% → 14.99% ▼ 0.50 pts · high 15.49% / low 14.99% Oct 9, 202614.99%▼ from 15.49% Sep 14, 202615.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Loan Rates & Savings Account - 600 to 639 Loan	-	-	11.99%	60 months
Details Additional APR listed for this product: 12.49%. Credit Grade: C; Maximum Loan/Term: $10,000/60 months Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 11.99% ▼ 0.50 pts · high 12.49% / low 11.99% Oct 9, 202611.99%▼ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Loan Rates & Savings Account - 640 to 679 Loan	-	-	9.49%	72 months
Details Additional APR listed for this product: 9.99%. Credit Grade: B; Maximum Loan/Term: $15,000/72 months Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 9.49% ▼ 0.50 pts · high 9.99% / low 9.49% Oct 9, 20269.49%▼ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Loan Rates & Savings Account - 680 to 729 Loan	-	-	8.49%	84 months
Details Additional APR listed for this product: 8.99%. Credit Grade: A; Maximum Loan/Term: $20,000/84 months Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 8.49% ▼ 0.50 pts · high 8.99% / low 8.49% Oct 9, 20268.49%▼ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRAs	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Average Daily Balance Required for Dividend Rate: $5.00 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 Details Average Daily Balance Required for Dividend Rate: $5.00 to $4,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 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 Details Average Daily Balance Required for Dividend Rate: $5,000 to $9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 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 Details Average Daily Balance Required for Dividend Rate: $10,000 and up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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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.

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.54%

Return on Assets (ROA)

0.6110%

Return on Equity (ROE)

3.9989%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

101,494,922

Total Amount of Shares and Deposits

85,007,491

Total Shares and Deposits < 1 Year

83,842,381

Total Shares and Deposits 1 3 Years

1,144,369

Total Shares and Deposits > 3 Years

20,737

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

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

Q2 2026 MBR Health & Safety Badge

Compass Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/compass-federal-credit-union-rates-review-17665">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Compass Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Compass Federal Credit Union

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

12-Month CD1.45%
18-Month CD1.60%
24-Month CD1.75%
60-Month CD1.80%
Savings1.60%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Compass Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Compass Federal Credit Union Texas Ratio

Compass Federal Credit Union Health Trend

Compass Federal Credit Union CD Rates

Compass Federal Credit Union Savings 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Compass Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Compass Federal Credit Union

How many branches does Compass Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Compass Federal Credit Union offer online and mobile banking?

Current Compass Federal Credit Union Rates

Compare to Other Credit Unions