Deposit Rates

Compass Community Credit Union offers a number of deposit products with competitive rates. Note that, generally speaking, the longer you can afford to keep the money untouched, the better your interest rate will be.

Member accounts are fully insured up to $250,000 by the NCUA. Accounts exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $1,000,000 by ASI. To learn more about your insurance coverage, click here.

Savings (Share) Account

RATE APY*
Effective date 04/01/2024
Savings (Share) Account 0.20% 0.20%

Directional Checking**

RATE APY*
Effective date 06/01/2024
Tier 5 Balances $150,000.01 + 3.93% 4.00%
Tier 4 Balances $75,000.01 – $150,000 2.96% 3.00%
Tier 3 Balances $25,000.01 – $75,000 0.90% 0.90%
Tier 2 Balances $0 – $25,000 0.50% 0.50%
Tier 1 All balances, no conditions met 0.01% 0.01%

Term Share Certificates^

RATE APY*
Effective date 01/18/2024
6-Month Term Share Certificate 2.55% 2.57%
7-Month SPECIAL Term Share Certificate+ 4.28% 4.35%
12-Month Term Share Certificate 3.05% 3.08%
24-Month Term Share Certificate 3.55% 3.60%
36-Month Term Share Certificate 1.90% 1.91%
48-Month Term Share Certificate 2.00% 2.02%
60-Month Term Share Certificate 2.10% 2.12%

Rates are the same for IRA Term Share Certificates.

* APY – Annual Percentage Yield.

**Monthly direct deposit, enrollment in online banking with e-statements and 10 debit card transactions (ATM transactions not included) are required. If all requirements are met, you will earn the corresponding APY listed in the chart above based on your average daily checking account balance. There is a Grace Period for the month in which you open your account. The requirements will not be enforced until the following month. Dividends are compounded monthly based on your average daily balance and correspond to the entire average daily balance. After the first month, if you do not meet the requirements, you will earn the Tier 1 APY.

^Interest penalty for early withdrawals. 12 months or less have a penalty of 90 days. Greater than 12 months have a penalty of 180 days. $500 minimum deposit to open.

+At maturity, the 7-month certificate will automatically renew at the current 6-month rate unless notified in writing prior to the maturity date.

Rates are subject to change at any time without notice.