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Looking for ways to keep on track as the Holiday season approaches?  Today's #TipTuesday provides 'Ten Ways to Not Bust Your Holiday Budget.'

1. Make A List: Make a list of those you plan to shop for this season.  By doing this, you improve the visibility you have to the expenses you will be facing.


2. Check It Twice: As you cross off items on your list, be sure that you are actually keeping track of how much you're spending vs. how much you thought you might spend.

3. Get Crafty: A growing trend is to make, insetad of buy, some of our gifts.

4. Join the Christmas Club: Christmas Club accounts are still offered by many credit unions, including right here at Compass Federal Credit Union.  These accounts let you put money aside a little at a time to allow you to take the accumulated money out when you need it for holiday shopping.

5. Watch for Sales: Watch for circulars from retailers as well as pre-sale leaks that indicate what some places may be offering.  If these sales match the list you made above, you could be in for some big savings.

6. Get to the Outlets: If your list is somewhat flexible, then Outlet stores could be the place to go this season.  Outlets are a fantastic way to find bargains.

7. Go Old School and Coupon: More than 300 billion coupons are distributed annually in the US and chances are one of them matches with an item on your list.

8. Digital Deals: Digital coupons are on the rise and they are more likely to be targeted to something that might be useful to you.

9. Consider Store Brands: Store brands are becoming quite competitive with their national counterparts, while offering great value.

10. Avoid Shipping Charges: Watch for shipping charges with your online orders.  If free shipping is not offered, consider picking up in store for free, if available.




  • Refer-A-Friend - $50!

    Want to help a friend join the Credit Union movement?

    The Compass Federal Credit Union Refer-A-Friend program is back in 2020, and it is better than ever!  Now through March 31, refer a friend to join Compass Federal Credit Union and you each will earn $50! Read more ...
  • Start Your Engines

    OSWEGO, NY (January 24, 2020) – Compass Federal Credit Union is looking forward to partnering with two local speedways for the 2020 racing season.

    When the green flag drops this spring, Compass will be part of the racing program at both Fulton Speedway and Oswego Speedway.Read more ...
  • Tickets on Sale

    OSWEGO, NY (January 23, 2020) – Tickets are now on sale for Compass Federal Credit Union’s 54th Annual Meeting, which will take place on Wednesday, March 25 at the Oswego Elks Lodge, beginning at 6 p.m.Read more ...
  • Scholarship Applications

    Compass Federal Credit Union is again eager to give back to the community by way of scholarships, with $14,000 set to be distributed to help support members' higher education.Read more ...
  • Board Applications Here

    Interested in being on the Compass Federal Credit Union Board of Directors?

    The Credit Union Nominating Committee is accepting names to participate in the selection of candidates for the Board of Directors.  Members of the Board make a three-year term commitment to serve the members of the Credit Union. Read more ...
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