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Synergy Federal Credit Union


Overview / Commentary
www.synergyfcu.org
210-750-8333
1 Valero Way
San Antonio, TX 78249

Synergy Federal Credit Union is headquartered in San Antonio and is the 83rd largest credit union in the state of Texas. It is also the 996th largest credit union in the nation. It was established in 1980 and as of December of 2022, it had grown to 35 employees and 12,805 members at 7 locations. Synergy Federal Credit Union's CD rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Synergy Federal Credit Union is open to those who live, work, worship, or attend school in Live Oak County, Texas. Employees of Valero Energy Corporation, NuStar Energy, Marathon Petroleum Company, Couche-Tard, Pearson, Bexar County Medical Society, Travis County Medical Society, Harris County Medical Society, 3M in San Antonio, Texas are also eligible for membership
See current membership details

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Health
A

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #23605
Year Chartered1980
Employees35
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD5.7%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$303.4MM$292.2MM
LoansQ4 2022vs Q4 2021$239.4MM$213.4MM
DepositsQ4 2022vs Q4 2021$253.2MM$246.7MM
Equity CapitalQ4 2022vs Q4 2021$41.2MM$43.0MM
Loan Loss AllowanceQ4 2022vs Q4 2021$300.00K$288.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$441.00K$207.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Synergy Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.71%*$5$500Cub and Teen Savings Account
OTHER TIERS: 0.20% → $500+
1.66%*$75k*-IRA Savings
OTHER TIERS: 1.36% → $25 - $25k | 1.51% → $25k - $75k
0.20%--Share Savings Account
0.20%--Special Share Savings
0.20%$5-Club Account

Synergy Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*$75k*-Money Market Account
OTHER TIERS: 1.26% → $2.5k - $25k | 1.41% → $25k - $75k

Synergy Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%*-$10kRewards Cash Checking
OTHER TIERS: 0.25% → $10k+
0.05%--Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.17%*$125k*-1 Year CD
OTHER TIERS: 5.01% → $1k - $25k | 5.06% → $25k - $75k | 5.12% → $75k - $125k
4.85%$1k-6 Month CD
4.85%$1k-2 Year CD
4.59%$1k-3 Year CD
4.59%$1k-3 Month CD
4.33%$1k-4 Year CD
4.07%$1k-5 Year CD

Synergy Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.27%*$125k*-1 Year IRA
OTHER TIERS: 5.12% → $1k - $25k | 5.17% → $25k - $75k | 5.22% → $75k - $125k
4.96%$1k-2 Year IRA
4.96%$1k-6 Month IRA
4.70%$1k-3 Year IRA
4.70%$1k-3 Month IRA
4.44%$1k-4 Year IRA
4.18%$1k-5 Year IRA
Locations


Synergy Federal Credit Union Locations
Branch Office1801 Gulfway DrPort Arthur, TX 77640-4416
Branch Office1 Valero WaySan Antonio, TX 78249-1616
Branch Office1147 Cantwell LnCorpus Christi, TX 78407
Branch Office9701 Manchester StHouston, TX 77012-2408
Branch Office1201 25th Ave NTexas City, TX 77590-5525
Branch Office19100 Ridgewood PkwySan Antonio, TX 78259
Branch Office301 Le Roy StThree Rivers, TX 78071

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