Credit union · NCUA insured
Compass Credit Union CD Rates
Compass Credit Union’s best CD rate is 2.48% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Compass Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Compass Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Compass Credit Union
2.48%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,303
Share Certificate
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
Compass Credit Union CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo1.61%
- 9–15 months9–15 mo1.87%
- 16–30 months16–30 mo2.12%
- 31–60 months31–60 mo2.48%
- QualifiedQualified2.48%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Compass Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 2.48%APY · 6 terms
Must become a Compass Credit Union member. Early withdrawals may result in a penalty and could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 1.61% | $80 |
| 12 monthsPenalty for early withdrawal | 1.87% | $187 |
| 24 monthsPenalty for early withdrawal | 2.12% | $428 |
| 36 monthsPenalty for early withdrawal | 2.22% | $681 |
| 48 monthsPenalty for early withdrawal | 2.38% | $987 |
| 60 monthsPenalty for early withdrawal | 2.48% | $1,303 |
Special-purpose accounts
Youth Share Certificate
2.02%APY · 1 term
Must become a Compass Credit Union member. Early withdrawals may result in a penalty and could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal | 2.02% | $202 |
Sources (1)
- compasscu.com/rates · captured Oct 16, 2026
Who can join Compass Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.