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Compass Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.compassfcu.com
315-342-5300
131 George St
Oswego, NY 13126

Compass Credit Union is headquartered in Oswego and is the 90th largest credit union in the state of New York. It is also the 1,876th largest credit union in the nation. It was established in 1966 and as of March of 2025, it had grown to 22 employees and 8,093 members at 7 locations. Compass Credit Union's money market rates are 4X the national average, and it 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

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
A

Data as of Q1 2025

Learn why bank health matters
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

Overall
NCUA #17665
Year Chartered1966
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD3.88%
Annual Interest Income$1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$95.3MM$88MM
LoansQ1 2025vs Q1 2024$52.5MM$53.4MM
DepositsQ1 2025vs Q1 2024$79.6MM$73.5MM
Equity CapitalQ1 2025vs Q1 2024$14.1MM$13.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$439K$316K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$239K$220K
Real Estate OwnedQ1 2025vs Q1 2024$194K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Compass Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Regular Savings
0.25%$100-Christmas Club
0.25%$100-Special Savings
0.25%$5-Young Bucks
0.25%$5-Teen Tycoons

Compass Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%*$250k*-Money Market Account
OTHER TIERS: 1.00% → $10k - $25k | 1.15% → $25k - $50k | 1.30% → $50k - $100k | 1.45% → $100k - $250k

Compass Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k$25kPremier Checking

Compass Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-18 Month CD Special - New Money
1.80%$1k-3 Year CD
1.80%$1k-4 Year CD
1.80%$1k-5 Year CD
1.80%$200-3 Year Young Bucks Club CD
1.80%$200-4 Year Young Bucks Club CD
1.80%$200-5 Year Young Bucks Club CD
1.80%$200-3 Year Teen Club CD
1.80%$200-4 Year Teen Club CD
1.80%$200-5 Year Teen Club CD
1.75%$1k-2 Year CD
1.75%$200-2 Year Young Bucks Club CD
1.75%$200-2 Year Teen Club CD
1.60%$1k-18 Month CD
1.60%$200-18 Month Young Bucks Club CD
1.60%$200-18 Month Teen Club CD
1.45%$1k-1 Year CD
1.45%$200-1 Year Young Bucks Club CD
1.45%$200-1 Year Teen Club CD
1.30%$1k-6 Month CD
1.30%$200-6 Month Young Bucks Club CD
1.30%$200-6 Month Teen Club CD

Compass Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%$1k-3 Year IRA
1.80%$1k-4 Year IRA
1.80%$1k-5 Year IRA
1.75%$1k-2 Year IRA
1.60%$1k-18 Month IRA
1.45%$1k-1 Year IRA
1.30%$1k-6 Month IRA
0.25%$5-IRA Savings
Locations


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 Office208 N 2nd StFulton, NY 13069
Branch Office300 W 1st StOswego, NY 13126
Branch OfficeSUNY Oswego 150 B Morano CenterOswego, NY 13126
Corporate Office8520 S Sandy PkwySandy, UT 84070-6422

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