Featured Savings Rates
Featured Accounts

Compass Credit Union

Popular Accounts at this Credit Union

1.25%Reward CheckingPremier Checking
1.60%5-year CD5 Year CD
0.45%1-year CD1 Year CD

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

Compass Credit Union is headquartered in Oswego and is the 108th largest credit union in the state of New York. It is also the 2,211th largest credit union in the nation. It was established in 1966 and as of December of 2016, it had grown to 13 employees and 7,318 members at 6 locations. Compass Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Oswego County.
See current membership details


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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 - YTD1.18%
Return on Equity - YTD7.8%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$55.4MM$38.1MM
LoansQ4 2016vs Q4 2015$32.1MM$26.8MM
DepositsQ4 2016vs Q4 2015$46.7MM$31.0MM
Equity CapitalQ4 2016vs Q4 2015$8.2MM$6.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$268.00K$211.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$237.00K$103.00K
Real Estate OwnedQ4 2016vs Q4 2015$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% Up to $5k | 0.30% $5k - $10k
0.35%*$10k*-Teen Tycoons
OTHER TIERS: 0.25% Up to $5k | 0.30% $5k - $10k
0.30%--IRA Savings
0.30%--Roth IRA Savings
0.30%--Coverdell Education Savings

Compass Credit Union Money Market Rates

0.40%*$100k*-Money Market Account
OTHER TIERS: 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k

Compass Credit Union Checking Account Rates

1.25%$500-Premier Checking

Compass Credit Union CD Rates

1.60%$1k-5 Year CD
1.60%$200-5 Year Young Bucks Club CD
1.60%$200-5 Year Teen Club CD
1.40%$1k-4 Year CD
1.40%$200-4 Year Young Bucks Club CD
1.40%$200-4 Year Teen Club CD
1.10%$1k-3 Year CD
1.10%$200-3 Year Young Bucks Club CD
1.10%$200-3 Year Teen Club CD
0.75%$1k-2 Year CD
0.75%$200-2 Year Young Bucks Club CD
0.75%$200-2 Year Teen Club CD
0.55%$1k-18 Month CD
0.55%$200-18 Month Young Bucks Club CD
0.55%$200-18 Month Teen Club CD
0.45%$1k-1 Year CD
0.45%$200-1 Year Young Bucks Club CD
0.45%$200-1 Year Teen Club CD
0.35%$1k-6 Month CD
0.35%$200-6 Month Young Bucks Club CD
0.35%$200-6 Month Teen Club CD

Compass Credit Union IRA Rates

1.60%$1k-5 Year IRA
1.40%$1k-4 Year IRA
1.10%$1k-3 Year IRA
0.75%$1k-2 Year IRA
0.55%$1k-18 Month IRA
0.45%$1k-1 Year IRA
0.35%$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 Office507 Culkin HallOswego, NY 13126