Credit union · NCUA insured
Compass Federal Credit Union Savings Rates
Compass Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Compass Federal Credit Union’s savings 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
0.25%APY
- Minimum
- $5
- Earns on $10,000 a year
- $25
Regular Savings
Top rate
Canandaigua National Bank
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $202
Compass Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Savings
0.25%APY
Must live, work, worship, volunteer, or go to school in Oswego County (or be an eligible family/household member). Minimum balance to open is $5.00. Dividends compounded and credited quarterly; minimum average daily balance of $100 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $4,999Minimum balance of $5 required. Dividends earned on average daily balances of $100 to $4,999. | 0.25% | — | Minimum balance of $5 required. Dividends earned on average daily balances of $100 to $4,999. |
| $5,000 – $9,999Minimum balance of $5 required. Dividends earned on average daily balances of $5,000 to $9,999. | 0.25% | — | Minimum balance of $5 required. Dividends earned on average daily balances of $5,000 to $9,999. |
| $10,000 and upMinimum balance of $5 required. Dividends earned on average daily balances of $10,000 and up. | 0.25% | $25 | Minimum balance of $5 required. Dividends earned on average daily balances of $10,000 and up. |
Special-purpose accounts
Christmas Club
0.25%APY
Must live, work, worship, volunteer, or go to school in Oswego County (or be an eligible family/household member). Minimum balance to open is $5.00. Dividends compounded and credited quarterly; minimum average daily balance of $100 required to earn dividends. Money can be transferred weekly or by payroll deduction.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $4,999Minimum balance of $5 required. Dividends earned on average daily balances of $100 to $4,999. | 0.25% | — | Minimum balance of $5 required. Dividends earned on average daily balances of $100 to $4,999. |
| $5,000 – $9,999Minimum balance of $5 required. Dividends earned on average daily balances of $5,000 to $9,999. | 0.25% | — | Minimum balance of $5 required. Dividends earned on average daily balances of $5,000 to $9,999. |
| $10,000 and upMinimum balance of $5 required. Dividends earned on average daily balances of $10,000 and up. | 0.25% | $25 | Minimum balance of $5 required. Dividends earned on average daily balances of $10,000 and up. |
Individual Retirement Account (IRA)
0.25%APY
Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account. Minimum balance to open is $5.00. Minimum average daily balance to earn dividends during the quarter is $5.00. Eligibility requires living, working, worshiping, volunteering, or going to school in Oswego County (or household/family).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance of $5 required. Dividends earned on average daily balances of $5.00 and up.$5 and up | 0.25% | $25 | Minimum balance of $5 required. Dividends earned on average daily balances of $5.00 and up. |
Sources (3)
- compassfcu.com/ira-near-oswego-ny
- compassfcu.com/turth-in-savings-disclosure
- compassfcu.com/loan-rates-savi…unt-rates-near-oswego-ny
All captured Sep 17, 2026
Young Bucks Child Savings Account
0.25%APY
Must be age 12 or under. Must maintain a balance of $5.00 or more. Earns dividends on all funds. Eligible for CD with lower minimum deposit ($200). Must live, work, worship, volunteer, or go to school in Oswego County (or household/family).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Minimum balance of $5 required. Dividends earned on average daily balances of $5.00 to $4,999. | 0.25% | — | Minimum balance of $5 required. Dividends earned on average daily balances of $5.00 to $4,999. |
| $5,000 – $9,999Minimum balance of $5 required. Dividends earned on average daily balances of $5,000 to $9,999. | 0.25% | — | Minimum balance of $5 required. Dividends earned on average daily balances of $5,000 to $9,999. |
| $10,000 and upMinimum balance of $5 required. Dividends earned on average daily balances of $10,000 and up. | 0.25% | $25 | Minimum balance of $5 required. Dividends earned on average daily balances of $10,000 and up. |
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.