Overview / Commentary
131 George St
Oswego, NY 13126-2915

Compass Credit Union is headquartered in Oswego and is the 106th largest credit union in the state of New York. It is also the 2,208th largest credit union in the nation. It was established in 1966 and as of September of 2018, it had grown to 13 employees and 6,820 members at 6 locations. Compass Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Oswego County.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Compass Credit Union has a relatively low asset base.

Health Grade Components

NCUA #17665
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD8.84%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$56.7MM$56.3MM
LoansQ3 2018vs Q3 2017$34.1MM$31.5MM
DepositsQ3 2018vs Q3 2017$46.7MM$46.8MM
Equity CapitalQ3 2018vs Q3 2017$9.5MM$8.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$221.00K$248.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$243.00K$368.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Compass Credit Union Savings Account Rates

0.35%*$10k*-Regular Savings
OTHER TIERS: 0.25% $100 - $5k | 0.30% $5k - $10k
0.35%*$10k*-Christmas Club
OTHER TIERS: 0.25% $100 - $5k | 0.30% $5k - $10k
0.35%*$10k*-Special Savings
OTHER TIERS: 0.25% $100 - $5k | 0.30% $5k - $10k
0.35%*$10k*-Young Bucks
OTHER TIERS: 0.25% $5 - $5k | 0.30% $5k - $10k
0.35%*$10k*-Teen Tycoons
OTHER TIERS: 0.25% $5 - $5k | 0.30% $5k - $10k
0.30%$5-IRA Savings

Compass Credit Union Money Market Rates

0.90%*$100k*-Money Market Account
OTHER TIERS: 0.75% $10k - $25k | 0.80% $25k - $50k | 0.85% $50k - $100k

Compass Credit Union Checking Account Rates

1.25%$1k$25kPremier Checking

Compass Credit Union CD Rates

2.45%$1k-5 Year CD
2.45%$200-5 Year Young Bucks Club CD
2.45%$200-5 Year Teen Club CD
2.40%$1k-4 Year CD
2.40%$200-4 Year Young Bucks Club CD
2.40%$200-4 Year Teen Club CD
2.35%$1k-3 Year CD
2.35%$200-3 Year Young Bucks Club CD
2.35%$200-3 Year Teen Club CD
2.20%$1k-2 Year CD
2.20%$200-2 Year Young Bucks Club CD
2.20%$200-2 Year Teen Club CD
2.05%$1k-18 Month CD
2.05%$200-18 Month Young Bucks Club CD
2.05%$200-18 Month Teen Club CD
1.70%$1k-1 Year CD
1.70%$200-1 Year Young Bucks Club CD
1.70%$200-1 Year Teen Club CD
1.05%$1k-6 Month CD
1.05%$200-6 Month Young Bucks Club CD
1.05%$200-6 Month Teen Club CD

Compass Credit Union IRA Rates

2.45%$1k-5 Year IRA
2.40%$1k-4 Year IRA
2.35%$1k-3 Year IRA
2.20%$1k-2 Year IRA
2.05%$1k-18 Month IRA
1.70%$1k-1 Year IRA
1.05%$1k-6 Month IRA

Compass Credit Union Locations
Branch Office110 W 6th StOswego, NY 13126
Branch Office131 George StOswego, NY 13126-2915
Branch Office448 County Route 1AOswego, NY 13126
Branch OfficePO Box 180Fulton, NY 13069
Branch Office7 4th AveOswego, NY 13126
Branch OfficeSUNY Oswego 150 B Morano CenterOswego, NY 13126

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