What are the current interest rates at COMPASS FINANCIAL?

Current rates for COMPASS FINANCIAL include: 12-Month CD: 4.00%, Savings: 0.10%, MMA: 1.05%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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COMPASS FINANCIAL

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COMPASS FINANCIAL Rates & Review October 2026

Q: How many branches does COMPASS FINANCIAL operate?

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

Q: Is a member application needed to join COMPASS FINANCIAL?

Yes, to access services at COMPASS FINANCIAL, 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: Is there a first-time homebuyer program?

Currently, COMPASS FINANCIAL 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, COMPASS FINANCIAL 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 10, 2026

COMPASS FINANCIAL's top rates as of October 10, 2026 are 4.00% APY on its Jumbo CD of Deposit - 12 Month, 0.10% APY on savings, and 1.05% APY on money market accounts, according to rates verified by MonitorBankRates. Other COMPASS FINANCIAL CD rates include Jumbo CD of Deposit - Limited Time Promotion - 12 Month at 4.00%, Jumbo CD of Deposit - 9 Month at 3.85%, and Jumbo CD of Deposit - Limited Time Promotion - 9 Month at 3.85%. MonitorBankRates evaluates the financial stability of COMPASS FINANCIAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.09%. Rates last updated and verified on 10/10/2026.

COMPASS FINANCIAL 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 FINANCIAL? Share your experience about COMPASS FINANCIAL by leaving a review below, or read customer reviews before you decide to use COMPASS FINANCIAL.

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

1.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

COMPASS FINANCIAL
Main Office

9960 NW 116th Way Ste 5
Medley, FL 33178-1174

http://www.compassffcu.org

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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 FINANCIAL CD Rates

Product	Rate	APY	Term
Jumbo Certificate of Deposit - 12 Month	4.00%	4.00%	12 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Jumbo Certificate of Deposit - Limited Time Promotion - 12 Month	4.00%	4.00%	12 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Jumbo Certificate of Deposit - 9 Month	3.85%	3.85%	9 Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Jumbo Certificate of Deposit - Limited Time Promotion - 9 Month	3.85%	3.85%	9 Month
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

COMPASS FINANCIAL Business Savings Rates

Product	Rate	APY
Personal & Business Savings	0.10%	0.10%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 & above Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Club Accounts	0.05%	0.05%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Personal & Business Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100 Details Balance: $100 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

COMPASS FINANCIAL Business Money Market Rates

Product	Rate	APY	View More
Business Account Money Markets	1.05%	1.05%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 & above Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.35% → 1.05% ▼ 0.30 pts · high 1.35% / low 1.05% Oct 1, 20261.05%▼ from 1.35% Sep 14, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

COMPASS FINANCIAL’s Texas Ratio stayed near 1.23% in Q3 2023 to 1.09% in Q2 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

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	$26M	1.09%	5.0	A+
March 31, 2026	$25M	2.55%	5.0	A+
December 31, 2025	$25M	1.00%	5.0	A+
September 30, 2025	$24M	0.69%	5.0	A+
June 30, 2025	$25M	1.55%	5.0	A+
March 31, 2025	$24M	2.02%	5.0	A+
December 31, 2024	$24M	4.41%	5.0	A+
September 30, 2024	$25M	0.77%	5.0	A+
June 30, 2024	$24M	1.63%	5.0	A+
March 31, 2024	$25M	2.61%	5.0	A+
December 31, 2023	$25M	0.37%	5.0	A+
September 30, 2023	$25M	1.23%	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 FINANCIAL 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 FINANCIAL 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 FINANCIAL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name COMPASS FINANCIAL

Website http://www.compassffcu.org

Address 9960 NW 116th Way Ste 5, Medley, FL 33178-1174

Phone 305-887-9781

Fax 305-887-3310

President Raymond Jones

CEO Leonardo Acosta

Full-Time Employees 10

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

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

1.09%

Return on Assets (ROA)

-0.0567%

Return on Equity (ROE)

-0.5380%

Non-Performing Loans Ratio (NPL)

0.17%

Total Assets

25,910,873

Total Amount of Shares and Deposits

22,351,037

Total Shares and Deposits < 1 Year

22,351,037

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,625,545

Total Uninsured Shares and Deposits > $250K (F+J)

3,370,678

Total Insured Shares and Deposits > $250K (item 17 less item K)

18,980,359

Total Interest Expense (Sum of items 6 8)

140,009

Share Certificates

Number of Accounts for Share Drafts

845

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,052

Non Member Deposits

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)

1,886,399

Total Liabilities

23,178,670

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

COMPASS FINANCIAL 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-financial-rates-review-1068">
  <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.

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Frequently Asked Questions About COMPASS FINANCIAL

How many branches does COMPASS FINANCIAL operate?

COMPASS FINANCIAL 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 FINANCIAL?

Yes, to access services at COMPASS FINANCIAL, 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 FINANCIAL 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 FINANCIAL provides members with tools to manage their accounts and build a solid financial history.

Does COMPASS FINANCIAL offer online and mobile banking?

Most modern institutions like COMPASS FINANCIAL 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: http://www.compassffcu.org.