Are you carrying balances on your credit cards? Transfer those balances to a Compass Credit Union VISA card and pay 6.9% APR* FIXED until that balance is gone. This offer runs through March 17th. Where will you get a better rate than that?

* Members must have a Compass VISA credit card or qualify for one. One-time transfers only. This rate does not apply to future balances. No transfers allowed from existing Compass accounts. APR=Annual Percentage Rate

COMPASS CREDIT UNION is open to anyone who lives, works, worships, volunteers or goes to school in Oswego County. You can also qualify for membership if you are related to a member.

Attention graduating seniors! Now is the time to apply for a college scholarship from Compass Credit Union. Two scholarship prizes are worth $2,000 each. The biggest scholarship, which goes to the top applicant, is $4,000. Candidates must supply a Compass application, a written essay, a transcript, and a recommendation.

Application forms can be picked up at Compass or downloaded from this web site here or under "Quick Links" on the left-hand side of this home page. To be eligible, candidates must:

Please join us for our 46th Annual Meeting set for 6 p.m. Feb. 15th at the Oswego Elks Lodge, 132 W. 5th St.

You'll enjoy a buffet dinner, beverage and a chance to win several cash prizes. Tickets cost $8 for members; $15 for non-members. Please purchase tickets at any Compass office by Feb. 10th.

This year, the all-volunteer Compass Board of Directors will have two positions open for election during our annual meeting. Joyce Prictchard and Jason Guido are currently in those positions and will be re-running for the Board.

Compass Credit Union has teamed up with Angela Renna, a financial consultant with AXA Advisors, LLC, to help our credit union members with a variety of financial services, including annuities, insurance, investments, retirement planning and personal and business strategies. Members can call the credit union at any time to set up a meeting with Angela at our credit union office at 131 George St. – or at any convenient location. Angela is available by appointment or between 9 a.m. and noon most Thursdays.

Need a free ATM on the west side of Oswego? In Fulton? Compass members have free, 24-hour ATM access at our George Street drive-thru and at our plant office. But we also offer 5 free transactions per month at many courtesy ATMs, with a $1 fee for subsequent transactions. These locations include:

• Empower ATMs on George Street, at the Byrne Dairy on West Bridge Street, and at the Empower branch and kiosk off Route 481 in Fulton.
• Oswego County Federal Credit Union at 300 W. First St. in Oswego.