| Savings Accounts | Minimum Balance |
Average Daily Balance Required for Dividend Rate |
Dividend Rate |
Annual % Yield |
|---|---|---|---|---|
| Regular, Christmas, Special Savings |
$5 |
$100 to $4,999 |
0.250% |
0.25% |
| Young Bucks, Teen Tycoons |
$5 |
$5.00 to $4,999 |
0.250% |
0.25% |
| IRAs | $5 |
$5.00 and up |
0.250% |
0.25% |
| Minimum Daily Balance | Annual Percentage Yield |
|---|---|
| $1000 | 1.25% |
* Premier Checking is an interest-bearing checking account now available to any Compass member. Members automatically receive a monthly dividend of 1.243% on balances up to $25,000 based on the average daily balance. To qualify, members must:
- Maintain a minimum daily balance of $1000
- 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
| Average Daily Balance Required for Dividend Rate |
Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $10,000 to $24,999 | .995% |
1.00% |
| $25,000 to $49,000 | 1.144% |
1.15% |
| $50,000 to $99,999 | 1.292% |
1.30% |
| $100,000 and up | 1.440% |
1.45% |
| $250,000 and up | 1.588% |
1.60% |
* If the average daily balance falls below $10,000 during a dividend period, you will not receive the dividend for that period. Also, a $10 monthly fee will be applied if the average monthly balance falls below $10,000.
| Share Certificate (share and IRAs) |
Minimum Balance |
Dividend Rate |
Annual Percentage Yield |
|---|---|---|---|
| 6 Month | $1000 |
1.292% |
1.30% |
| 1 Year | $1000 |
1.440% |
1.45% |
| 18 Months | $1000 |
1.588% |
1.60% |
| 2 Years* | $1000 |
1.736% |
1.75% |
| 3 Years* | $1000 |
1.785% |
1.80% |
| 4 Years* | $1000 |
1.785% |
1.80% |
| 5 Years* | $1000 |
1.785% |
1.80% |
Young Bucks Club and Teen Club minimum amount to open a share certificate is $200
* Share Certificate Plus Program: Members who open new share certificate for a term of 2 years or longer will have the one-time opportunity to sign up for the Share Certificate Plus Program. The minimum deposit is $5,000. If rates rise during the term of the certificate, participants will have the option to lock in the higher rate. Early withdrawal from a share certificate in the Plus Program will result in a 6-month penalty. Standard penalty for a share certificate 2 years or longer without the Plus Program is 3 months.
Effective as of 11/10/2023
The Board of Directors reserves the right to review and change these rates at its discretion.
High Yield Savings Account Rates
If you’re looking for high yield savings account rates near Oswego, NY, open an account at Compass Federal Credit Union. We’re pointing the way for your more prosperous future.
Compass Federal Credit Union offers a wide variety of savings accounts to achieve your goals. Take advantage of high yield savings account rates with the following types of savings accounts:
- Regular savings accounts
- Christmas savings accounts
- Special savings accounts
View savings rates at the top of this page
Ready to Open a Savings Account?
Youth Savings Account Rates
An early start makes it that much easier to get ahead in life. Our Young Bucks and Teen Tycoons savings accounts are the best youth savings accounts.
Help your child get a head start and learn the value of a dollar with a Young Bucks or Teen Tycoons savings accounts.
See youth savings account rates at the top of this page.
To open a Young Bucks or Teen Tycoons savings account…
Save Today for Better Tomorrows. A Relaxing Retirement Starts with Our IRA Rates
What do you want to do in retirement? Living the life you’ve dreamed of starts with our IRA rates. Save for your retirement with a Compass Federal Credit Union IRA.
See IRA rates at the top of this page.
To open an IRA…
Looking for High Yield Savings Accounts? Compass FCU Money Market Accounts Are Exactly What You’re Looking For
Take advantage of dividend rates and a competitive Annual Percentage Yield (APY) with our money market account options.
View the average daily balance requirements and money market account rates above.
To Open a Money Market Account…
In Addition to High Yield Savings Account Rates, Compass FCU Also Offers Share Certificates and Premium Checking Accounts
Compass FCU offers interest bearing checking accounts. We also offer share certificates.
View interest rates for our interest bearing checking accounts and share certificates above.
Start Saving Today with Compass FCU’s Favorable Savings Rates
Compass FCU offers the following types of accounts:
- Regular savings accounts
- Christmas savings accounts
- Special savings accounts
- Money market accounts
- Youth savings accounts
- Interest bearing checking accounts
- Share certificates
The sooner you start saving, the more you’ll have. To start saving…
Auto Loans/Motorcycles: Used Car Loan Rates and New Car Loan Rates
| Vehicle Year/Status | Term | APR* |
|---|---|---|
| New Untitled Vehicle/Motorcycle | 36 Months 48 Months 60 Months ** 72 Months *** 84 Months |
As low as 4.99% |
| Used 2023-2026 Vehicle/Motorcycle | 48 Months 60 Months ** 72 Months *** 84 Months |
As low as 5.74% As low as 5.99% As low as 6.74% As low as 7.49% |
| Used 2019-2022 Vehicle/Motorcycle | 48 Months 60 Months ** 72 Months *** 84 Months |
As low as 6.74% As low as 6.99% As low as 7.74% As low as 8.49% |
| Used 2018 and Older Vehicle/Motorcycle | 48 Months 60 Months ** 72 Months *** 84 Months |
As low as 7.74% As low as 8.49% As low as 9.49% As low as 9.99% |
* Rates included 0.25% discount for payroll deduction or automatic payment and .25% discount for using a Compass debit card. APR = Annual Percentage Rate
COMPASS ONLINE USERS: Apply for a loan online by going to your online banking site. It's an easy way to get started! Questions? Give us a call at 342-5300.
* Collision insurance is not required on auto loan balances under $2,000
* All secured loans for purchase of consumer goods require a signed purchase offer or bill of sale. It must include the make model and serial number of the goods being purchased and be submitted with a loan application. The certificate of title must be presented for used cars purchased from individuals. Only first liens will be accepted for car loans and required insurance must be carried.
* The minimum secured loan payment is $100.
** 72 Months are for loan amounts of $20,000 or more
*** 84 Months are for loan amounts of $25,000 or more
Motorcycle loans are included in the rate sheet above.
Effective 04/17/2026
Looking for the Best RV Loan Rates near Oswego, NY? Look No Further!
| Vehicle Status | Term | APR* |
|---|---|---|
| New RV | 48 Months 60 Months 120 Months 144 Months 180 Months |
As low as 6.24%* |
| Used RV* | 48 Months 60 Months 120 Months 144 Months 180 Months |
As low as 6.74%* As low as 6.99%* As low as 7.49%** As low as 7.74%** As low as 8.74%** |
*Rates includes 0.25% discount for payroll deduction or automatic payment and .25% discount for using a Compass debit card. APR = Annual Percentage Rate.
On all RVs except motorhomes, members can borrow up to 100% of the sales market price, not to exceed NADA retail value. For motorhomes (new and used), members must make a 20% down payment. APR = Annual Percentage Rate
Used RV* If older model than 2006, add 2.00%
COMPASS ONLINE USERS: Apply for a loan online by going to your online banking site. It's an easy way to get started! Questions? Give us a call at 342-5300.
**72 months or more are for loan amounts of $15,000 or more.
*Collision insurance is not required on auto loan balances under $2,000.
*All secured loans for the purchase of consumer goods require a signed purchase offer or bill of sale. It must include the make model and serial number of the goods being purchased and be submitted with a loan application. The certificate of title must be presented for used cars purchased from individuals. Only first liens will be accepted for car loans and required insurance must be carried.
*The minimum secured loan payment is $100.
Effective As of 04/17/2026
However You Choose to Adventure, Compass Credit Union Offers RV Loans That Are Affordable for You
Whether you need an RV loan, boat loan, camper loan, snowmobile loan or collector car loan, Compass Credit Union can work with you and your budget.
Personal Loan Rates
| Type | Term | APR* |
|---|---|---|
| Secured Personal** (80% of collateral) |
Up to 60 Months |
As low as 6.49% |
Share Secured Loans, "Passbook Loans" will have a fixed rate of 2% over the member's savings account rate.
*Rates includes 0.25% discount for payroll deduction or automatic payment and .25% discount for using a Compass debit card. APR = Annual Percentage Rate
COMPASS ONLINE USERS: Apply for a loan online by going to your online banking page. Questions? Call 342-5300.
**Secured Personal loans can be taken out for a maximum of $30,000. APR = Annual Percentage Rate
*The minimum secured loan payment is $100.
Unsecured Loan Rates
| Type | Maximum Term | APR* |
|---|---|---|
| Unsecured | 84 Months | As low as 7.99%* |
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.
| Credit | Grade | APR* | Maximum Loan/Term |
|---|---|---|---|
| 730 & Above | A+ | 8.49%/7.99% | $20,000/84 Months |
| 680 to 729 | A |
8.99%/8.49% |
$20,000/84 months |
| 640 to 679 | B |
9.99%/9.49% |
$15,000/72 months |
| 600 to 639 | C |
12.49%/11.99% |
$10,000/60 months |
| 550 to 599 | D |
15.49%/14.99% |
$5,000/60 months |
| 549 & Below | E |
18.00%/17.50% |
$5,000/60 months |
*Rate includes 0.25% discount for payroll deduction or automatic payment and .25% discount for Compass debit card holders. APR = Annual Percentage Rate
Compass Online Users: Apply for a loan online by going to your online banking page. Questions? Call 342-5300.
* The lower rates in this chart reflect a 0.25% reduction for an automatic payment and a 0.25% reduction for having a debit card. APR = Annual Percentage Rate
Is an Unsecured Loan Right For You?
Credit Card Interest Rates
| Visa | Classic* | Junior** | Platinum* | Platinum with Rewards** |
|---|---|---|---|---|
| Limit | $10,000 | $500 | $15,000 | $15,000 |
| Purchase | 9.9% APR | 9.9% APR | 9.9% APR | 10.9% APR |
| Cash Advance | 11.9% APR | 11.9% APR | 11.9% APR | 12.9% APR |
| Grace Period | 25 days | 25 days | 25 days | 25 days |
| Late Fee | $20.00 | $1.00 | $20.00 | $20.00 |
| Over-the-limit | No fee | No fee | No fee | No fee |
If You’re Looking for Affordable Credit Card Interest Rates, Compass Credit Union is Pointing the Way
You can view Compass Credit Union’s Visa credit card interest rates above.
If you’re looking for a low interest credit card, Compass Credit Union has exactly what you’re looking for. In addition to favorable credit card interest rates, Compass Credit Union provides the buying power of Visa so you can make purchases anywhere that Visa is accepted.
Favorable Credit Card Interest Rates for the Type of Credit Card That’s Right for You
Compass Credit Union offers various Visa credit cards. This includes:
- Classic – Your standard Visa credit card
- Junior – Young adults get a head start for financial success by building credit responsibly, including just a $1 late fee
- Platinum – Includes a higher credit limit
- Platinum with Rewards – Get two rewards points for each dollar spent
In Addition to Great Credit Card Interest Rates, Avoid Fees at Compass Credit Union
Compass Credit Union Visa credit cards have no annual fees. You also get peace of mind that comes with no over-the-limit fees.
Get the Financial Flexibility You Need Plus Budget-Friendly Credit Card Interest Rates
To apply for a Compass Credit Union Visa Credit Card…
Compass Federal Credit Union is here to help you complete much needed repairs or home improvements as you invest in your future, with home equity loans as low as 4.99% APR*. Contact Compass today and apply to get the cash you need, now. Members must qualify.
| LoanType | Term | APR* |
|---|---|---|
| Home Equity Fixed 80% LTV |
60 Months* 120 Months 180 Months 240 Months |
As low as 4.99% |
| Home Equity Fixed 80.01% - 90% LTV |
60 Months* 120 Months 180 Months 240 Months |
As low as 5.99% |
* No Closing Cost - Must keep for 3 years or pay closing costs
LTV = Loan to Value, APR = Annual Percentage Rate
As of 11/10/2023
To Apply for a Fixed Rate Home Equity Loan…
With a Home Equity Loan with a Fixed Rate, So Much is Possible
For most people, your home is your most valuable asset. Get more from your home with a Compass Credit Union home equity loan.
A home equity loan can provide you with the funds you need to turn “wouldn’t it be nice to…” into “I’m so glad we did this.”
While you can do a lot with a home equity loan, one of the most popular uses is home improvement projects. With a home improvement project funded by a home equity loan, you’re not only making the renovations you’ve always wanted but you’re also increasing the value of your home.
Let’s Talk About Your Options for a Fixed Rate Home Equity Loan
What Could You Do with a Home Equity Loan?
A home equity loan can make life’s big bills more manageable. Whether a known expense or for those surprise bills that make you wonder “how am I going to pay for this?” a home equity loan with affordable repayment terms is your answer.
While a home equity loan can be used for any major expense that the loan can cover, common uses for home equity loans include, but are not necessarily limited to:
- Home repairs or home improvement projects
- Medical bills
- Car repairs
- Debt consolidation
- And more
Stress less with a home equity loan from Compass Credit Union.
Benefits of a Fixed Rate Home Equity Loan
Compass Credit Union fixed rate home equity loans allow you to borrow 80% or 90% of your home’s value.
With long term repayment options, you can be confident that a home equity loan can cover the costs you need without overwhelming debt.
Our home equity loans come with a fixed rate. That means that your monthly loan payments stay consistent throughout the lifetime of your loan. With predictable payments, you know that your loan payments work with your budget.
The great thing about getting your home equity loan from Compass Credit Union is that you pay no closing costs* on your loan, which could save you hundreds of dollars.
*Must keep home equity loan for 3 years or pay closing costs
From Big Surprises to Life’s Big Expenses, A Fixed Rate Home Equity Loan Makes It Easy
To apply for a home equity loan with a fixed rate…
