Compass Fulton NY Credit Union | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to Compass, your trusted partner in financial services located at 208 N 2Nd St, Fulton, NY 13069. Since our establishment in 1966, we have proudly served our community with dedication and a commitment to helping our members achieve their financial goals. With a total membership of 7,997 and assets exceeding $91,898,362, Compass is more than just a credit union; we are a cornerstone of support for individuals and families alike. Under the leadership of our CEO, Jennifer Rupert, and Board President, Michael Pisa, we strive to provide personalized banking solutions tailored to meet your needs. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we offer a wide array of services designed to empower you financially. Our team of 24 employees is here to guide you through every step of your banking journey. While members can visit us at 208 N 2Nd St, official correspondence should be sent to our mailing address at 208 N Second St, Fulton, NY 13069. We understand the importance of accessibility in banking, which is why we provide multiple ways to connect with us. You can reach us at 315-593-8443 during our convenient hours from 9 AM to 4 PM Monday through Wednesday and until 5 PM on Thursday and Friday. Our commitment extends beyond banking; we aim to make a positive impact within the Fulton community. With total deposits reaching $14,337,068 and cash in hand amounting to $1,181,388, we ensure that our resources are not just numbers but tools for growth and stability for our members. At Compass Credit Union, we believe that when you succeed, we all succeed. Join us today and discover the difference that comes from being part of a community-focused financial institution. For more information about our services or to become a member, visit us online at compassfcu.com. We look forward to serving you!

Branch History & Mission

Community Focus

While you can visit us at our Fulton branch for your banking needs, official correspondence should be sent to our mailing address at 208 N Second St, Fulton, NY 13069. We take pride in being more than just a financial institution; we're an integral part of this vibrant community. Our partnerships with local organizations and schools help us give back and support initiatives that uplift those around us.

Join Us

As we continue on this path of growth and community involvement, we invite you to become a part of the Compass family. Experience firsthand how our personalized approach can make a difference in your financial journey. Visit us today or check out more about becoming a member on our website at Compass FCU. Together, let's build a brighter future!

Modern Services

In today's fast-paced world, we understand the importance of convenience. That's why we provide robust online and mobile banking options, making it easier for members to manage their finances anytime and anywhere. With ATM availability and drive-thru services, accessing your funds has never been simpler. Additionally, we are dedicated to creating an accessible environment for everyone.

Our Mission

Our mission at Compass is simple yet profound: we strive to empower our members by offering comprehensive financial solutions that enhance their lives. We believe that financial well-being is vital for personal success and community health. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. Every service is designed with the member in mind, ensuring that their needs are met with care and professionalism.

Branch Location & Accessibility

Convenient Access and Features

At Compass, we prioritize your convenience. Ample parking is available right outside the branch, ensuring that you can visit us without hassle. We are proud to be ADA compliant, featuring ramps and other accessibility options to accommodate all our members. Our operating hours are tailored to fit your busy schedule. We welcome you Monday through Wednesday from 9 AM to 4 PM, Thursday and Friday from 9 AM to 5 PM, and even have Saturday hours from 9 AM to noon for those quick transactions. Whether you need personal banking assistance or help with loans, our friendly staff is here to guide you every step of the way.

Services Tailored for You

Compass Credit Union offers a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Need cash? Our ATM is available on-site for your convenience. Plus, if you're in a rush, take advantage of our drive-thru banking option where you can make deposits or withdrawals without leaving your vehicle. While members can visit us at our branch address for all their banking needs, any official correspondence should be sent to our mailing address: 208 N Second St, Fulton, NY 13069. We invite you to come by or give us a call at 315-593-8443. At Compass Credit Union, we're dedicated to making banking easy and accessible for everyone!

Member Eligibility

At Compass, becoming a member means joining a close-knit community where you can access personalized financial services tailored just for you. If you're wondering whether you qualify, it's quite simple! Membership is open to those who live, work, worship, or attend school in the Fulton area or have a family member who already belongs. This makes it easy for many to enjoy the benefits of being part of our credit union. By joining Compass, you gain access to a range of services like competitive loan rates, savings accounts, and exceptional customer service that feels like family. To get started on your membership journey, visit us at 208 N 2Nd St Fulton Ny 13069 or give us a call at (315) 593-8443. You can also find detailed eligibility information by checking out this link. Opening an account is straightforward; learn more about the process here. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services that Make a Difference

Imagine running your business seamlessly while providing your customers with easy payment options. At Compass, our merchant services allow you to accept various forms of payment, ensuring convenience for your customers and smooth transactions for you. This translates into happier clients and increased sales key components of any successful venture. Located at 208 N 2Nd St Fulton Ny 13069 in Fulton, NY, our team is here to guide you through every step. Contact us at (315) 593-8443 to learn how we can help your business grow today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

For those who prefer face-to-face interactions, our branch offers basic drive-thru banking for deposits, withdrawals, and other simple transactions. Plus, with our ATM availability, accessing cash has never been easier; simply withdraw funds or check balances at your convenience. At Compass, we understand that financial needs can vary greatly from person to person. That's why we strive to provide personalized service and innovative solutions designed just for you. If you're ready to take charge of your financial future or have any questions about our services, don't hesitate to reach out! You can call us at (315) 593-8443 or visit us at our branch located at 208 N 2Nd St Fulton Ny 13069 in Fulton. Explore all that we have to offer at Fulton Officwe, where member satisfaction is always our top priority!

Auto Loans & Vehicle Financing

Thinking about getting a new vehicle? Our competitive auto loans and vehicle financing solutions make it simple. Imagine driving off in your dream car without the stress of hefty payments. We work with you to find an option that fits your lifestyle.

Business Banking

If you're running a business, we've got you covered with our business banking services. From merchant services that help you accept payments easily to business loans for expansion or inventory purchases, we aim to support local businesses and their growth.

Credit Cards with Rewards

With our credit cards that come with rewards, you can earn points for every dollar spent. This means that everyday purchases can lead to exciting rewards down the line whether it's cashback, travel points, or discounts at your favorite retailers.

Mortgage Options

Buying a home is one of the biggest decisions you'll ever make. At Compass, we provide various mortgage loans and refinancing options to ensure you have the best rates available. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we're here every step of the way.

Online & Mobile Banking

In today's busy world, convenience is key. Our robust online and mobile banking platforms allow you to manage your accounts from anywhere. Pay bills, transfer money, and check balances all from the comfort of your home or while on the go.

Personal Banking Solutions

Our personal banking options are designed to help you manage your day-to-day finances effortlessly. With checking and savings accounts, you can easily access your funds while earning interest on your savings. For those looking to make a significant purchase or consolidate debt, our personal loans and debt consolidation services offer flexible terms to fit your budget.

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. Plus, with our person-to-person transfer feature, sending money to friends and family is quick and easy no need for cash or checks! You can also opt for e-statements, which are not only environmentally friendly but also help you keep track of your finances without the clutter of paper.

Mobile Convenience

For those who prefer banking on their smartphones, our mobile application makes it even easier. Download it today to manage your accounts anytime, anywhere. And while we currently do not offer mobile payments, rest assured that our app provides a secure environment for all your banking needs.

Security You Can Trust

At Compass, security is a top priority. We ensure that your personal information is protected with advanced security measures. Although we do not utilize electronic signature authorization at this time, our systems are designed to safeguard your data during every transaction. With all these features combined, managing your finances has never been more convenient. Experience the ease of digital banking with us today at https://www.compassfcu.com/ !

Financial Strength

Growing Member Trust

The trust our members place in us is evident as we manage a total of 17,384 accounts. This growing member base highlights the confidence you have in Compass as your financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Compass is your trusted partner. Visit us at 208 N 2Nd St Fulton Ny 13069 or call (315) 593-8443 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are safe with us! Members' funds are secured through $8,929,154 in share certificates and $3,237,050 in money market shares, providing stable and rewarding growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our performance shows through our $0, reflecting operational efficiency that enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 22 full-time employees and 2 part-time employees who are always ready to assist you with their expertise.

Reinvestment for Growth

With $12,761,758 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $573 in used auto loans and $52,491,805 in total loans and leases.

Solid Financial Foundation

With a net worth of $13,682,644, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,489 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,567,876 in used vehicle loans and $3,473,298 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have options that fit your needs.

Credit Lines

For those looking for additional flexibility in managing finances, our credit lines amounting to $15,000,000 can be an excellent solution. They provide access to funds when you need them most. If you're considering refinancing or exploring eligibility options for any of these products, please don't hesitate to ask. Our team is ready to guide you through the process and find the best solutions tailored for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Compass, we're committed to empowering our members with financial tools that foster growth and stability. Whether you're looking for an auto loan or planning for homeownership, we have something for everyone!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,586,158, make buying or refinancing simple. We strive to provide clear terms and competitive rates to help you settle into your dream home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,123,494 in loans helping members manage their finances effectively. These cards are perfect for everyday purchases or unexpected expenses without the burden of high interest rates.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. Each loan listing is verified, providing peace of mind that the information is accurate and up to date.

Benefits of Using LendMesh

LendMesh offers several advantages to users seeking loans: - Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in your search. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so you can make informed decisions without any hidden agendas. - Real-Time Rate Comparisons: With access to up-to-date loan rates from multiple institutions, users are equipped to find the best deals quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and reliable the platform can be for everyday consumers. Take control of your financial future today. Compare real-time loan offers at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

COMPASS FEDERAL CREDIT UNION - Fulton, NY