Membership & Accounts
What is a credit union?
A credit union is a not-for-profit financial cooperative owned by its members. Instead of serving shareholders, credit unions focus on providing value, competitive rates, and personalized service.
What is the purpose of a credit union?
Credit unions exist to help members achieve financial success through affordable products, trusted guidance, and community-focused service.
Who can join Compass Credit Union?
Membership is available to individuals who live, work, worship, or attend school within our field of membership, as well as eligible family members.
How do I join Compass Credit Union?
Simply open a membership savings account and meet eligibility requirements. Our team can help you get started online or at any branch.
What do I need to open an account?
A valid government-issued photo ID, Tax Identification Number (TIN) or Social Security number, and a minimum opening deposit may be required.
How can I find my account number and routing number?
Your account number can be found in online banking, on your account statements, or by contacting Compass Credit Union. Our routing number is 272485136.
Debit & Credit Cards
Debit Cards: PIN vs. Signature, What’s the Difference?
PIN transactions are processed through debit networks and require your personal identification number. Signature transactions are processed through VISA and may not require a PIN.
What if I can’t find my debit or credit card?
If your card is temporarily misplaced, you can lock it at any time through the Compass mobile app or Online Banking. If you believe your card has been lost or stolen, please contact Compass Credit Union immediately so we can help protect your account.
How do I activate my card?
Follow the activation instructions included with your card or contact our team for assistance.
Can I add my card to a mobile wallet?
Yes. Eligible Compass debit and credit cards can be added to Apple Pay, Google Pay, and Samsung Pay.
Online & Mobile Banking
How do I enroll in online banking?
Visit our website and select the Login option to begin your Online Banking enrollment. Follow the prompts to verify your identity and create your login credentials. If you have any questions or need assistance, please contact Compass Credit Union.
How do I sign up for eStatements?
Log in to online banking, select eStatements, and follow the enrollment instructions.
How do I deposit a check using mobile deposit?
Open the Compass mobile app and select Mobile Deposit. Endorse the back of the check with “For Mobile Deposit Only at Compass Credit Union” and the signature of the member the check is payable to. Then take photos of both sides and submit your deposit.
How do I transfer money between accounts?
Transfers can be completed through online banking, the mobile app, by phone, or at any Compass branch.
Is online banking secure?
Yes. Compass uses advanced security measures and encryption to help protect your accounts and personal information.
Payments & Transfers
What are the wire instructions?
How do I set up direct deposit?
Provide your employer with your Compass account number and routing number. Our team can help if you need assistance.
How do I make a loan payment?
Loan payments can be made through online banking, automatic transfer, mail, in person, or through approved payment options on our website. Click here to make a loan payment >
How long do transfers take?
Internal transfers are typically immediate. External transfers may take several business days depending on the receiving institution.
Can I transfer money to another person?
Yes. Compass offers convenient ways to move money, including Pay Anyone and member-to-member transfers through Online Banking. These options allow you to send money to others or transfer funds between eligible Compass Credit Union member accounts. Contact us if you have questions or need assistance setting up a transfer.
Loans & Lending
How do I apply for a loan?
You can apply online, by phone, at any Compass branch, or directly through your Online Banking account. Our team is happy to help if you have any questions about the application process.
What loan products do you offer?
Compass offers auto loans, mortgages, home equity loans, personal loans, recreational vehicle loans, farm and lawn equipment financing, and credit cards.
Can I refinance my auto loan?
Yes. Refinancing may help lower your rate, reduce your payment, or shorten your loan term.
What credit score do I need?
Loan approval is based on several factors, including credit history, income, debt, and overall financial profile.
How quickly can I get approved?
Many loan applications receive a decision within one business day, and some may be approved even sooner.
Branches & Services
How do I find an ATM that does not charge me?
Compass members have access to surcharge-free ATMs through participating networks. Learn More >
What is Shared Branching?
Shared Branching allows members to perform many transactions at participating credit unions across the country as if they were at a Compass branch.
Compass members have access to surcharge-free ATMs through participating networks. Learn More >
Where are your branch locations?
Visit our Locations page for a complete list of Compass branch locations and ATMs. Learn More >
What are your hours?
Branch and drive-thru hours vary by location. Current hours can be found on our Locations page. Learn More >
How do I order checks?
Checks can be ordered through online banking, by contacting Compass Credit Union, or through our approved check provider. Order Checks >
Still have more questions? Give us a Call!
CALL NOWNot Already a Member?
Applying for membership is quick, easy, and secure. Click “Join Today” to get started. Many applications are approved instantly, and if we need more info, our team will follow up to help.
