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

Home Loan Applications

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 qualified members with A+ credit who take out mortgages with 15- to 30-year terms. The rate for a 10-year term is 4.24% APR 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 5.75% for A credit, 6.75% 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. APR = Annual Percentage Rate. 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.


Home equity loans at Compass offer great rates and can be used for a variety of purposes, such as home improvements, vacations, debt consolidation, college costs and more. Here are the forms you will need, in pdf format, to apply for a loan. Simply download the forms, fill them out, and return them to Compass.

For more information about our home loan rates, click here.


Here are the forms you will need to apply for a mortgage:

Questions? Need help? Please contact loan officers Julie Tombolillo at This email address is being protected from spambots. You need JavaScript enabled to view it. or Jen Rupert at This email address is being protected from spambots. You need JavaScript enabled to view it. . They can also be reached by calling our George Street office at 315-342-5300.








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