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Main Office:
(315) 342-5300
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This page contains rates for:
  • Savings Accounts
  • Premier Checking
  • Money Market Accounts
  • Share Certificates 
Savings Accounts  Minimum
Balance
Average Daily Balance Required for
Dividend Rate
Dividend Rate Annual Percentage
Yield
Regular, Christmas, Special Savings  $5 $100 to $4,999 0.150% 0.15%
$5,000 to $9,999 0.200% 0.20%
$10,000 and up 0.250% 0.25%
Young Bucks, Teen Tycoons $5 $5 to $4,999 0.150% 0.15%
$5,000 to $9,999 0.200% 0.20%
$10,000 and up 0.250% 0.25%
IRAs $5 $5.00 and up 0.150% 0.15%
 
Basic Checking Accounts

No minimum balance
No service charges
Free Check printing for retirees

 Premier Checking*
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
   Money Market Accounts
Average Daily Balance
Required for Dividend Rate
Dividend Rate Annual Percentage Yield
$10,000 to $24,999 .499% .50%
$25,000 to $49,999 .747% .75%
$50,000 to $99,999 .747% .75%
$100,000 and up .747%

.75%

* 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.

  Minimum Balance Dividend Rate Annual Percentage Yield
Share Certificates (Share and IRAs)
6 Month $1000 .401% .40%
1 year $1000 .551% .55%
18 months $1000 .702% .70%
2 years* $1000 .853% .85%
3 years* $1000 .904% .90%
4 years* $1000 .904% .90%
5 years* $1000 .904% .90%

  �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 6/10/2020

The Board of Directors reserves the right to review and change these rates at its discretion .

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