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Compass Community Credit Union Rates & Review March 2026

Compass Community Credit Union's 7-Month Special Term CD rates are at 3.75%, 7-Month Term CD rates are at 3.75%, 6-Month Term CD rates are at 3.50%, 12-Month Term CD rates are at 3.19%, 36-Month Term CD rates are at 3.03%. Compass Community Credit Union's savings rates are at 0.20%. Compass Community Credit Union's First Mortgage - Owner Occupied rates are at 4.75%, First Mortgage - Owner Occupied rates are at 5.00%, First Mortgage - Owner Occupied rates are at 5.38%, First Mortgage - Owner Occupied rates are at 5.62%. Compass Community Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Compass Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.31%. Rates were last updated on 03/16/2026.

Compass Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Compass Community Credit Union? Share your experience about Compass Community Credit Union by leaving a review below, or read customer reviews before you decide to use Compass Community Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.31%
Excellent Lower than avg
Compass Community Credit Union
Main
321 Wabash Ave
Eureka, CA 95501
https://www.compassccu.org
Member NCUA

Compass Community Credit Union CD Rates

Product Rate APY Term View More
7-Month Special Term Share Certificate 3.70% 3.75% 7
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
7-Month Term Share Certificate - 3.75% 7
Min Deposit $7,500
Details A minimum of $7,500 in New Money is required for special rate.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
6-Month Term Share Certificate 3.46% 3.50% 6
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
12-Month Term Share Certificate 3.15% 3.19% 12
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
36-Month Term Share Certificate 3.00% 3.03% 36
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
24-Month Term Share Certificate 2.80% 2.83% 24
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
48-Month Term Share Certificate 2.50% 2.52% 48
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
60-Month Term Share Certificate 2.00% 2.02% 60
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%

Compass Community Credit Union Savings Rates

Product Rate APY View More
Savings (Share) Account, Secondary Savings Account & Holiday Club Account 0.20% 0.20%
Details Effective date 01/01/2026
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%

Compass Community Credit Union Checking Rates

Product Rate APY View More
Directional Checking 2.86% 2.90%
Min Balance $150,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Directional Checking 1.98% 2.00%
Min Balance $75,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Directional Checking 0.50% 0.50%
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Directional Checking 0.15% 0.15%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Directional Checking 0.01% 0.01%
Details All balances, no conditions met
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%

Compass Community Credit Union Mortgage Rates

Product Rate Points APR Term View More
First Mortgage - Owner Occupied 4.75% 4.886% 4.75% 10 years
Details $625 origination fee and a $350 doc prep fee is required, along with third-party costs. Max $806,500. Some additional restrictions apply to loans over $806,500.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
First Mortgage - Owner Occupied 5.00% - 5.10% 15 years
Details $625 origination fee and a $350 doc prep fee is required, along with third-party costs. Max $806,500. Some additional restrictions apply to loans over $806,500.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
First Mortgage - Owner Occupied 5.38% - 5.45% 20 years
Details $625 origination fee and a $350 doc prep fee is required, along with third-party costs. Max $806,500. Some additional restrictions apply to loans over $806,500.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
First Mortgage - Owner Occupied 5.63% - 5.68% 30 years
Details $625 origination fee and a $350 doc prep fee is required, along with third-party costs. Max $806,500. Some additional restrictions apply to loans over $806,500.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%

Compass Community Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - Owner Occupied 6.25% - 6.25%
Details As Low As; The minimum line is $25,000 and the maximum loan-to-value ratio is 80% based on appraised value. During the Advance Period (10 years) (including any extension thereof), your minimum monthly payment will be the greater of $100.00 or 0.125%__of the ending balance plus the accrued finance charge, plus any fees and amounts past due. During the Repayment Period (15 years), your minimum monthly payment will be the amount sufficient to amortize the principal amount you owe on the last day of the Advance Period, plus interest, in substantially equal installments during the Repayment Period, plus any fees and any amounts past due. If the calculated minimum monthly payment described above is less than $100.00, the minimum monthly payment during the Repayment Period will equal $100.00 or the outstanding balance on your Credit Account, whichever is less. Variable Rate: Rate adjusts monthly. The index is the Wall Street Journal Prime rate plus margin rounded up to the nearest quarter percent. The maximum change per rate change date is 1.00%. Rate cap at 16.99% APR.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Home Equity Line of Credit - Non-Owner Occupied 6.75% - 6.75%
Details As Low As; The minimum line is $25,000 and the maximum loan-to-value ratio is 80% based on appraised value. During the Advance Period (10 years) (including any extension thereof), your minimum monthly payment will be the greater of $100.00 or 0.125%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%

Compass Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans (2022 or newer) - - 3.99% 36 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 4.49% 36 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loans (2022 or newer) - - 4.74% 48 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loans (2022 or newer) - - 4.99% 60 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 5.49% 48 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loans (2022 or newer) - - 5.49% 72 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 5.99% 60 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 6.24% 72 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loans (2022 or newer) - - 6.49% 84 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 6.74% 84 Months
Details As Low As; Minimum $20,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 6.99% 36 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 7.24% 48 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 7.49% 60 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 7.99% 72 Months
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%
Auto Loan - - 8.49% 84 Months
Details As Low As; Minimum $20,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%

Compass Community Credit Union Credit Card Rates

Product Rate APR View More
Visa Classic - 10.99%
Details As Low As; Regular APR: 10.99%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%

Compass Community Credit Union Personal Loan Rates

Product Rate APR View More
Personal/Signature Loan - 8.99%
Details As Low As; Max Amount: $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.31%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Compass Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Compass Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Compass Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Compass Community Credit Union
Address 321 Wabash Ave, Eureka, CA 95501
Phone 707-443-8662
Fax 707-630-5221
President DAX WILLIAMSON
CEO Ray Litchfield
Full-Time Employees 19
Part-Time Employees 2
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.31%
Return on Assets (ROA)
0.6533%
Return on Equity (ROE)
5.4594%
Non-Performing Loans Ratio (NPL)
0.05%
Total Assets
175,373,846
Total Amount of Shares and Deposits
153,999,269
Total Shares and Deposits < 1 Year
147,624,727
Total Shares and Deposits 1 3 Years
5,546,519
Total Shares and Deposits > 3 Years
828,022
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,725,880
Total Uninsured Shares and Deposits > $250K (F+J)
17,725,880
Total Insured Shares and Deposits > $250K (item 17 less item K)
136,273,389
Total Interest Expense (Sum of items 6 8)
2,109,176
Share Certificates
816
Number of Accounts for Share Drafts
2,518
IRA KEOGH Accounts
209
Number of Accounts for Regular Shares
5,695
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,096,945
Total Liabilities
154,344,887
Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Compass Community Credit Union

Is Compass Community Credit Union a safe place to deposit money?

Yes, Compass Community Credit Union is considered a safe financial institution. With a Texas Ratio of 0.31403492419837%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Compass Community Credit Union operate?

Compass Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Compass Community Credit Union?

Yes, to access services at Compass Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Compass Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Compass Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Compass Community Credit Union offer online and mobile banking?

Most modern institutions like Compass Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.compassccu.org.

Current Compass Community Credit Union Rates

  • 12-Month CD3.19%
  • 24-Month CD2.83%
  • 60-Month CD2.02%
  • Savings0.20%
Retrieved from our database of financial products. Rates subject to change.