Train for Tomorrow

1. - Earn 3% cash back on all purchases for the first 15 months from the date of account opening. After that, you will earn 2% cash back on all purchases. Offer is only valid for new cards and if member has direct deposit with Leaders. Credit card and direct deposit must be associated with the same membership.

2. - APY = Annual Percentage Yield. Forward Plus High Yield Savings: 3.50% APY effective 10/01/2025. This account offers the flexibility of no minimum opening balance requirement and no minimum to earn dividends. Maintaining a minimum balance is unnecessary to avoid service charges. Interest accrual extends up to a maximum of five million dollars.

3. - APR = Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “as low as 9.24% APR” apply to well-qualified applicants with credit scores of 760. Minimum loan amount of $5,000 with a maximum amount of $40,000 based on creditworthiness. Not all applicants will qualify for the lowest rate. Tradelines must appear on the applicant’s credit report for a minimum of six months prior to application.

Other restrictions may apply.

Loan rate effective as of 04/06/2023, and is subject to change without notice. Payment Example: 48 monthly payments of approximately $25.11 per $1,000 borrowed at 9.24% APR.

4. - The 0% Introductory APR is valid for the first 15 billing cycles from the date of account opening. To be eligible, you cannot have opened another Compass Rewards or Compass Black card within the last 36 months and receive 0% for 15 billing cycles. A transfer fee of 2% or $10 whichever is greater will be applied. However, during the introductory period the transfer fee will be 5% or $10, whichever is greater. A cash advance fee of 3% or $10 whichever is greater will be applied. At the end of the introductory period, the APR for all new and outstanding purchases, transfer balances and cash advances will be a variable rate.  As of Oct. 1, 2022, variable interest rates will be determined by creditworthiness and is indexed to WSJ Prime Rate plus 6.90%-18.90%. The APY for Compass Rewards Visa® Signature credit cards are subject to credit application and approval. Not all applicants will qualify. Penalty APR is 27.99%.

5. - APR=Annual Percentage Rate, the cost of your credit as a yearly rate. As of Oct. 1, 2022, variable interest rates will be determined by creditworthiness and is indexed to WSJ Prime Rate plus 14.90%-20.90%. A transfer fee of 2% or $10 whichever is greater will be applied. However, during the introductory period the transfer fee will be 5% or $10, whichever is greater. A cash advance fee of 3% or $10 whichever is greater will be applied. A foreign transaction fee of 1.00% of each transaction in U.S. dollars will be applied. At the end of the introductory period, the APR for all new and outstanding purchase, transfer balances and cash advances will be a variable rate. The APY for Compass Black Visa® Signature credit cards are subject to credit application and approval. Not all applicants will qualify. Penalty APR is 27.99%.

6. - The 0% Introductory APR is valid for the first 15 months from the date of account opening. To be eligible, you cannot have opened another Compass Rewards or Compass Black card within the last 36 months and receive 0% for 15 months. However, you will be eligible for the 3% bonus for 15 months.