| 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.
** 6-Month CD Special Now available at 4.25% APY*. Visit HERE for more information.
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…
