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Contact Numbers
Main Office:
(315) 342-5300
Plant Office:
(315) 349-0116
Hospital Office:
(315) 349-5562
 
 

Home Loans

Mortgages

Available in JUNE & JULY: NO CLOSING COSTS on new or refinanced mortgages and on home equity loans from Compass Credit Union. Get rates as low as 4.99% APR* on new or refinanced mortgages and 3.99% APR* on home equity loans.

* APR = Annual Percentage Rate. Rate of 4.99% APR is for a 15-30-year term for qualified members with A+ credit. Rates for all mortgages and fixed-rate home equity loans vary based on credit score, loan-to-value and term of loan. PMI insurance is not included. Rates increase to 5.99% for A credit, 6.99% for B credit, and so on. Qualified members must use automatic payment. This promotion does not apply to existing Compass loans. A $10,000 minimum loan is required. Members with home loans paid off within 3 years of origination must pay back closing costs. Home equity loans include fixed-rate loans or a line of credit.

TO JOIN COMPASS: A minimum of $5 is required to become a member of the credit union. Anyone who lives, works, worships, attends school or volunteers in Oswego County is eligible to join. You can also join if you are related to an existing member, have an immediate relative who is a qualified member, or live in the household of a qualified member. If you have any questions about membership criteria, please give us a call at 342-5300.

For all HOME LOAN Applications, PLEASE CLICK HERE.

 
Current Compass Mortgage Rates for Homes and Camps 15-30 Years 10 Years
730 and Above (A+ credit) 5.75% 5.25%
680 to 729 (A credit) 5.75% 5.25%
640 to 679 (B credit) 6.75% 6.25%
600-639 (C credit) 7.75% 7.25%
550-599 (D credit) 8.75% 8.25%
549 and below (E credit) 9.25% 9.25%



Land Purchase (Closing Costs and 10% Down)
  A+ A B C D E
Max Term 730 & Above 680 -729  640-
679
600-639     550-599         549 & Below  
60 months 6.60% 7.10% 8.10% 10.60% 13.60% 17.60%
120 months 7.00% 7.50% 8.50% 11.00% 14.00% 18.00%
144 months 7.50% 8.00% 9.00% 11.50% 14.50% 18.00%
180 months 7.50% 8.00% 9.00% 11.50% 14.50% 18.00%

HOME EQUITY FIXED - 80% loan to value (LTV)            
  A+ A B C D E
Max Term 730 & Above   680 -729 640-679  600-639   550-599      549 & Below    
*60 months 3.99% 5.24% 6.24% 8.74% 11.74% 15.74%
120 months 4.49% 5.49% 6.49% 8.99% 11.99% 15.99%
180 months 4.99% 5.99% 6.99% 9.49% 12.49% 16.49%
240 months 5.99% 6.99% 7.99% 10.49% 13.49% 17.49%
*Special: No closing cost-must keep for 3 years or pay closing costs.
(Empower charges Mortgage Tax.)       
                   
HOME EQUITY FIXED - 80.01% 90% loan to value            
  A+ A B C D E
Max Term 730 & Above 680-729 640-
679
600-639   550-
599
549 & Below
*60 months 5.49% 6.24% 7.24% 9.74% 12.74% 16.74%
120 months 5.75% 6.49% 7.49% 9.99% 12.99% 16.99%
180 months 6.49% 6.99% 7.99% 10.49% 13.49% 17.49%
240 months 7.49% 7.99% 8.99% 11.49% 14.49% 18.00%
180 months 6.49% 6.99% 7.99% 10.49% 13.49% 17.49%
240 months 7.49% 7.99% 8.99% 11.49% 14.49% 18.00%
                   
Home Equity Line of Credit 5.00% Variable              

 

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