Credit union · NCUA insured
Compass Federal Credit Union CD Rates
Compass Federal Credit Union’s best CD rate is 4.50% APY on an 18-month share certificate (CD). Terms run from 1 year to 18 months. Rates checked October 16, 2026.
How Compass Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where Compass Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Compass Federal Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $683
18-Month CD Special
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
18-Month CD Special
4.50%APY · 1 term
New money only, non-transferable. A penalty may be imposed for early withdrawal. Cannot be combined with any other offer. Subject to cancellation without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsNew money only, non-transferable. Cannot be combined with any other offer. Subject to cancellation without prior notice. Early withdrawal penalty may apply | 4.50% | $683 |
Sources (1)
- compassfcu.com/news/18-month-cd-special · captured Sep 17, 2026
12-Month CD Special
3.00%APY · 1 term
A penalty may be imposed for early withdrawal. Cannot be combined with any other offer. Subject to cancellation without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCannot be combined with any other offer. Subject to cancellation without prior notice. Early withdrawal penalty may apply | 3.00% | $300 |
Sources (1)
- compassfcu.com/news/12-month-cd-special · captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificate
Up to 1.80%APY · 7 terms
Share Certificate rate schedule explicitly applies to both shares and IRAs. Young Bucks Club and Teen Club minimum amount to open a share certificate is $200. Members who open a new share certificate for a term of 2 years or longer have the option to sign up for the Share Certificate Plus Program (minimum deposit $5,000) with a one-time rate lock option if rates rise. Early withdrawal penalty applies (6 months for Plus Program, 3 months standard for terms >= 2 years).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.30% | $65 |
| 12 months | 1.45% | $145 |
| 18 months | 1.60% | $241 |
| 24 monthsEligible for Share Certificate Plus Program | 1.75% | $353 |
| 36 monthsEligible for Share Certificate Plus Program | 1.80% | $550 |
| 48 monthsEligible for Share Certificate Plus Program | 1.80% | $740 |
| 60 monthsEligible for Share Certificate Plus Program | 1.80% | $933 |
Sources (3)
- compassfcu.com/ira-near-oswego-ny
- compassfcu.com/loan-rates-savi…unt-rates-near-oswego-ny
- compassfcu.com/savings-rates-near-oswego-ny
All captured Sep 17, 2026
Share Certificate
Up to 1.80%APY · 7 terms
Young Bucks Club and Teen Club minimum amount to open a share certificate is $200. Members who open a new share certificate for a term of 2 years or longer have the option to sign up for the Share Certificate Plus Program (minimum deposit $5,000) with a one-time rate lock option if rates rise. Early withdrawal penalty applies (6 months for Plus Program, 3 months standard for terms >= 2 years).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.30% | $65 |
| 12 months | 1.45% | $145 |
| 18 months | 1.60% | $241 |
| 24 monthsEligible for Share Certificate Plus Program | 1.75% | $353 |
| 36 monthsEligible for Share Certificate Plus Program | 1.80% | $550 |
| 48 monthsEligible for Share Certificate Plus Program | 1.80% | $740 |
| 60 monthsEligible for Share Certificate Plus Program | 1.80% | $933 |
Sources (2)
All captured Sep 17, 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.