Credit union · NCUA insured
Compass Federal Credit Union Credit Card Rates
Compass Federal Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Compass Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Syracuse, NY, where Compass Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Compass Federal Credit Union
8.90%APR
Visa Classic Card
Lowest rate
Auburn Community Federal Credit Union
7.90%APR
2nd-lowest rate
Oswego County Federal Credit Union
7.90%APR
Compass Federal Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Junior Visa Card
For members 16–20 years old. Co-applicant required. After graduation, convert to Classic, Platinum, or Rewards Card. Credit limit up to $500. Minimum monthly payment is $10 or 2.25% of the outstanding balance, whichever is greater. Late fee and over-the-limit fee are $1. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Standard purchase rate. 25-day grace period for purchases. |
| Ongoing | 8.90% | None | Rate with automatic payment (lowers APR by 1.0%). |
| Ongoing | 11.90% | None | Cash advance APR. |
Sources (2)
All captured Oct 7, 2026
VISA Credit Card Balance Transfer Special
Limited-time balance transfer promotion for transfers from non-Compass accounts to a Compass Federal Credit Union VISA credit card. One-time transfer only; does not apply to further balances. Balance transfers are not eligible for VISA Rewards points.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.90% | None | 6.9% APR until the entire transferred balance is paid off. No transfer fee. Valid through March 29. |
Sources (1)
- compassfcu.com/news/limited-time-visa-balance-transfer · captured Oct 7, 2026
Visa Classic Card
Open to members who live, work, worship, volunteer, or go to school in Oswego County, NY (or family/household members). Credit limit up to $10,000. Minimum monthly payment is $25 or 2.25% of the outstanding balance, whichever is greater. No annual fee and no over-the-limit fee. $20 late fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Standard purchase rate. 25-day grace period for purchases. |
| Ongoing | 8.90% | None | Rate with automatic payment (lowers APR by 1.0%). |
| Ongoing | 11.90% | None | Cash advance APR. |
Sources (2)
All captured Oct 7, 2026
Visa Platinum Card
Open to members who live, work, worship, volunteer, or go to school in Oswego County, NY (or family/household members). Credit limit up to $15,000. Minimum monthly payment is $25 or 2.25% of the outstanding balance, whichever is greater. No annual fee and no over-the-limit fee. $20 late fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Standard purchase rate. 25-day grace period for purchases. |
| Ongoing | 8.90% | None | Rate with automatic payment (lowers APR by 1.0%). |
| Ongoing | 11.90% | None | Cash advance APR. |
Sources (2)
All captured Oct 7, 2026
Visa Platinum with Rewards Card
Open to members who live, work, worship, volunteer, or go to school in Oswego County, NY (or family/household members). Credit limit up to $15,000. Minimum monthly payment is $25 or 2.25% of the outstanding balance, whichever is greater. No annual fee and no over-the-limit fee. $20 late fee. Offers 2 rewards points per $1 spent.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Standard purchase rate. 25-day grace period for purchases. |
| Ongoing | 9.90% | None | Rate with automatic payment (lowers APR by 1.0%). |
| Ongoing | 12.90% | None | Cash advance APR. |
Sources (2)
All captured Oct 7, 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.