Personal Accounts & Banking
Find your financial security faster with a 5% APY* High Yield Checking
Instead of charging service fees and minimum balance charges, Compass High Yield Checking pays you high dividends every month.
No monthly maintenance or withdrawal fees!
Minimum opening deposit of $25.
Get rewarded for things you already do… like Direct Deposit, Online Banking, and using your CCU Debit Card.
- 5.12% APY* on balances from $25.00 up to $20,000
- No monthly service charges
- Unlimited check writing with no per check charge
- Unlimited Online Banking
- Privilege Pay (after 90 days)
- Overdraft Protection
- Mobile App with Remote Deposit
- Unlimited Online Bill Pay Access
- Free eStatements & eReceipts
- Free EMV Chip Debit Mastercard® with Apple Pay, Samsung Pay, and Google Pay
- Mobile App Debit Card controls
- Access to your funds 24/7 with over 30,000 ATMs nationwide
It’s so easy to qualify, you’re probably already doing it! To earn your interest, simply do the following activities and transactions in your High Yield account each monthly qualification cycle:
- Make at least 15 debit card purchases post and settle
- Transfer at least $250 in ACH Direct Deposit to your High Yield Checking
- Log in to online banking at least 1 time
That’s it! And even if you don’t qualify, there’s still no monthly service fee. Plus, you can get back to earning your full rewards the very next monthly qualification cycle!
*APY=Annual Percentage Yield. Rates may change after the account is opened. Minimum to open is $25.00. If qualifications are met each monthly qualification cycle: (1) 15 Qualifying debit transactions must post to and settle accounts during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions; (2) Qualifying direct deposit transactions must post to and settle account during monthly qualification cycle; (3) Online banking login one time during qualification cycle; (4) Balances between $25 and $20,000 earn 5.12% APY. If qualifications are not met, all balances earn 0.0% APY. “Monthly Qualification Cycle” means a period beginning the first day of the current statement cycle through the last day of the current statement cycle. Limit one account per SSN.
No monthly service fee!
Minimum opening deposit of $25.
• Free eStatements
• Free EMV Chip Debit Card
• Free Online Banking
• Direct Deposit (get paid early – fees apply)
• Automatic savings with Debit Card Roundup
• Text & Mobile Pay
• Security & Control
• Overdraft Protection with $10 forgiveness
• Remote Deposit Capture
• Direct Deposit
• No Checks
• Tap to pay – contactless debit cards Mobile Wallets – Apple, Google, Samsung Pay
• Must be age 12 – 17
• Parental/Guardian required for members under age 17
No monthly maintenance or withdrawal fees!
No monthly maintenance or withdrawal fees!
Minimum opening deposit of $25.
- Free EMV Chip Debit Card
- Mobile App
- Remote Deposit Capture (RDC)
- Free Online Banking
- Free Online Bill Pay
- Privilege Pay (after 90 days)
- Get Paid Early (fees may apply)
- Direct Deposit
No withdrawal fees!
Minimum opening deposit of $25.
- Free eStatements
- Free EMV Chip Debit Card
- Mobile App
- Remote Deposit Capture (RDC)
- Free Online Banking
- Get paid early – fees apply
- Monthly maintenance fee (see the Service Charges Schedule)
- No Checks
A simple way to save for all your wants or your rainy day fund!
Business Savings Accounts are also available.
- $5.00 Minimum required
- Access to your funds 24/7 with ATMs nationwide
- Unlimited Online Banking
- Mobile App with Remote Deposit
- Free eStatements & eReceipts
- Direct Deposit (Get paid early – fees apply)
- Set up an automatic transfer from your checking account to make saving part of your daily life
- Available as overdraft protection (fees may apply)
Penalties and fees could reduce the earnings on accounts
There’s a better way to save, and Compass CU can help you find it. We offer a variety of certificate options no matter your stage in life. Your money will be safe, secure, and insured up to $250,000.
Certificate Benefits:
- Flexible Terms – up to 60 months
- Open online, on your phone, or in a branch
- Your money insured by NCUA up to $250,000
- Rate guaranteed for the entire term of your certificate
Share Certificates have a penalty for early withdrawal.
Penalties and fees could reduce the earnings on accounts.
You can open your certificate online by logging into your online banking account.
- Earn a higher rate without tying up your savings for the long term
- $1,000 minimum required to earn higher rate
Penalties and fees could reduce the earnings on accounts.
Start early and save for retirement!
- Traditional IRA
- Roth IRA
- IRA Share Certificates also available
For more information call or stop at one of our locations.
Penalties and fees could reduce the earnings on accounts.
A great way to save for those special moments each year!
- You are able to save all year long, without any maintenance fees, and the money will roll over into your Share account at its maturity date
- Set up transfers to your Club Account from your electronic deposit in Online Banking
- Open a Club Account anytime using Online/Mobile Banking
Early withdrawal fee may apply’ and ‘Penalties and fees could reduce the earnings on accounts.
Online Banking
View your account 24/7 and have unlimited access to your accounts.
Watch a brief overview video for Online Banking
- View balances and transactions
- Transfer funds from one account to another
- Conveniently pay your bills via Online Bill Pay
- Make loan payments by transferring funds from Savings or Checking
- Free Pay Anyone Service
- Manage ACH direct deposits
- ACH Direct Deposit (Get paid early – fees apply)
- Apply for a loan
- Purchase a share certificate
- Open Sub-Savings Accounts
- eStatements view and print past 18 months of statements
- eReceipts via StrongBox for all transactions
- eAlerts – Balance, ACH, Loan Due
- eNotices
Mobile Banking
Download the app via Google Play Store or Apple App Store
- Apply for a loan
- Authentication Options for logging into Online Banking – use finger print, face recognition, voice or PIN
- Remote Check Deposit
- Debit & Credit card controls
- Shared Branch locator
- ATM locator
- Free Pay Anyone Service
- View balances and transactions
- Transfer funds from one account to another
- Conveniently pay your bills via Bill Pay
- Make loan payments by transferring funds from Savings or Checking
- Purchase a share certificate
- eAlerts – Balance, ACH, Loan Due
- eNotices
Audio Banking
Call 1-866-267-4347
Have access to your accounts 24/7 with our automated phone service.
- Hear balances and transactions
- Transfer funds from one account to another
Text Banking
Quick account access 24/7
- Enroll your phone number in Online or Mobile banking
- Get balance of accounts
- Transfer funds from one account to another
Other Services
- Notary Services
- Budget Assistance
- Auto Research
- Check Reorders
- Wire Transfers
- Safe Deposit Boxes
Insurance
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- CUNA Mutual Insurance
- Accidental Death and Dismemberment Available
- Life and Disability Insurance On Loans Available
Privilege Pay
The Privilege Pay program assists members who find themselves in one of those “Oops” moments when they accidentally take their checking account negative. The member can then repay the money in the near future.
There are a few important points to remember:
- There is a fee each time you overdraw your checking (that’s why we recommend other products if you think you’ll need to do this frequently). For the current fee, please see our Service Charge.
- Members must qualify and apply before they can enter the program.
- This program is NOT the same as Overdraft Protection. The difference is the Privilege Pay will allow you to take your account negative, whereas the Overdraft Protection program will transfer money from your savings to cover negative balances in your checking . Some members choose to have both Privilege Pay and Overdraft Protection.
- This list is not all inclusive. Call us today to find additional terms and conditions.
Xtend Shared Branching
Gives you convenient access to your accounts at multiple Michigan credit union locations. You will be able to perform transactions like:
- Withdrawals
- Deposits
- Loan Payments
- Transfers
- Balance Inquiries
Out of town? Find the nearest shared branch via our website. Search here!
Branch locator also available in our Mobile App in the More menu and select Assist to find a branch near you.
Penalties and fees could reduce the earnings to each account section that pays dividends.