Credit union · NCUA insured
Compass Federal Credit Union Auto Loan Rates
Compass Federal Credit Union auto loans start at 5.99% for a used one. Rates checked October 16, 2026.
How Compass Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Compass Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Compass Federal Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
Compass Federal Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Compass Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinance Special
Available for new money only. Members get 1% off current interest rate or get the Compass rate, whichever is better. Compass FCU will refinance up to 100% of the NADA retail value. Members must qualify.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | Rates available as low as 3.49%. Available for new money only. Refinance up to 100% of NADA retail value. |
| — | 1.79% | Promotional special available through October 31 (posted September 1, 2021). New money only. Refinance up to 100% of NADA retail value. |
New Untitled Vehicle/Motorcycle Loan
Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card. Minimum secured loan payment is $100. Collision insurance is not required on auto loan balances under $2,000. All secured loans for purchase of consumer goods require a signed purchase offer or bill of sale with make, model, and serial number. Only first liens accepted; required insurance must be carried. Membership eligibility required (lives, works, worships, volunteers, or goes to school in Oswego County, or eligible family/household member).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.74% | — |
| up to 72 months | 6.49% | Loan amounts of $20,000 or more. |
| up to 84 months | 7.24% | Loan amounts of $25,000 or more. |
Sources (1)
- compassfcu.com/car-loans-auto-loan-rates-near-oswego-ny · captured Oct 5, 2026
Used 2018 and Older Vehicle/Motorcycle Loan
Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card. Minimum secured loan payment is $100. Collision insurance is not required on auto loan balances under $2,000. All secured loans for purchase of consumer goods require a signed purchase offer or bill of sale with make, model, and serial number. Certificate of title required for used cars purchased from individuals. Only first liens accepted; required insurance must be carried. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.74% | — |
| up to 60 months | 8.49% | — |
| up to 72 months | 9.49% | Loan amounts of $20,000 or more. |
| up to 84 months | 9.99% | Loan amounts of $25,000 or more. |
Sources (1)
- compassfcu.com/car-loans-auto-loan-rates-near-oswego-ny · captured Oct 5, 2026
Used 2019-2022 Vehicle/Motorcycle Loan
Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card. Minimum secured loan payment is $100. Collision insurance is not required on auto loan balances under $2,000. All secured loans for purchase of consumer goods require a signed purchase offer or bill of sale with make, model, and serial number. Certificate of title required for used cars purchased from individuals. Only first liens accepted; required insurance must be carried. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.74% | — |
| up to 60 months | 6.99% | — |
| up to 72 months | 7.74% | Loan amounts of $20,000 or more. |
| up to 84 months | 8.49% | Loan amounts of $25,000 or more. |
Sources (1)
- compassfcu.com/car-loans-auto-loan-rates-near-oswego-ny · captured Oct 5, 2026
Used 2023-2026 Vehicle/Motorcycle Loan
Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card. Minimum secured loan payment is $100. Collision insurance is not required on auto loan balances under $2,000. All secured loans for purchase of consumer goods require a signed purchase offer or bill of sale with make, model, and serial number. Certificate of title required for used cars purchased from individuals. Only first liens accepted; required insurance must be carried. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | — |
| up to 60 months | 5.99% | — |
| up to 72 months | 6.74% | Loan amounts of $20,000 or more. |
| up to 84 months | 7.49% | Loan amounts of $25,000 or more. |
Sources (1)
- compassfcu.com/car-loans-auto-loan-rates-near-oswego-ny · captured Oct 5, 2026
Who can join Compass Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or goes to school in Oswego County.
Family and household
- Family members of members are eligible to join.
- Individuals living in the same household as someone eligible for membership are eligible to join.
Cost to join
- A minimum deposit of $5 is required to open a savings account for membership.
Membership information collected October 5, 2026.