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Compass Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
3.70%
Our Rating
4.3  / 5
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 3/19/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 97th largest credit union in the state of New York. It is also the 1,925th largest credit union in the nation. It was established in 1966 and as of December of 2024, it had grown to 23 employees and 8,103 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

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Health
A

Data as of Q4 2024

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
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD5.36%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$89.3MM$84.9MM
LoansQ4 2024vs Q4 2023$53.4MM$53.9MM
DepositsQ4 2024vs Q4 2023$74.6MM$70.5MM
Equity CapitalQ4 2024vs Q4 2023$13.9MM$13.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$398K$320K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$268K$390K
Real Estate OwnedQ4 2024vs Q4 2023$163K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
3.70%
Our Rating
4.3  / 5
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 3/19/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/19/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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