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 82^nd largest credit union in the state of Texas. It is also the 989^th largest credit union in the nation. It was established in 1980 and as of June of 2022, it had grown to 36 employees and 11,432 members at 7 locations. Synergy Federal Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Synergy Federal Credit Union offers membership to employees of CST Brands, NuStar Energy, Pearson Tesoro Corporation, Valero Energy Corporation and other select employee groups.
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Health

A+

Data as of Q2 2022

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Health Grade Components

Overall
NCUA #	23605
Year Chartered	1980
Employees	36
Primary Regulator

Profit Margin
Return on Assets - YTD	0.52%
Return on Equity - YTD	3.98%
Annual Interest Income	$4.1MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$304.9MM$298.7MM
Loans	Q2 2022vs Q2 2021	$221.7MM$211.8MM
Deposits	Q2 2022vs Q2 2021	$261.8MM$257.2MM
Equity Capital	Q2 2022vs Q2 2021	$40.1MM$41.3MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$267.00K$320.00K
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$197.00K$227.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
1.71%^*	$5	$500	Cub and Teen Savings Account
OTHER TIERS: 0.20% → $500+
0.70%^*	$75k^*	-	IRA Savings
OTHER TIERS: 0.50% → $25 - $25k \| 0.60% → $25k - $75k
0.20%	$5	-	Share Savings Account
0.20%	$5	-	Special Share Savings
0.20%	$5	-	Club Account

Synergy Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.35% → $2.5k - $25k \| 0.40% → $25k - $75k

Synergy Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*	-	$10k	Rewards Cash Checking
OTHER TIERS: 0.25% → $10k+
0.05%	-	-	Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.89%^*	$75k^*	-	5 Year CD
OTHER TIERS: 2.84% → $1k - $75k
2.78%^*	$75k^*	-	4 Year CD
OTHER TIERS: 2.73% → $1k - $75k
2.63%^*	$75k^*	-	3 Year CD
OTHER TIERS: 2.58% → $1k - $75k
2.53%^*	$75k^*	-	2 Year CD
OTHER TIERS: 2.48% → $1k - $75k
2.27%^*	$75k^*	-	1 Year CD
OTHER TIERS: 2.22% → $1k - $75k
1.81%^*	$75k^*	-	6 Month CD
OTHER TIERS: 1.76% → $1k - $75k

Synergy Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.99%^*	$75k^*	-	5 Year IRA
OTHER TIERS: 2.94% → $1k - $75k
2.89%^*	$75k^*	-	4 Year IRA
OTHER TIERS: 2.84% → $1k - $75k
2.73%^*	$75k^*	-	3 Year IRA
OTHER TIERS: 2.68% → $1k - $75k
2.63%^*	$75k^*	-	2 Year IRA
OTHER TIERS: 2.58% → $1k - $75k
2.38%^*	$75k^*	-	1 Year IRA
OTHER TIERS: 2.32% → $1k - $75k
1.92%^*	$75k^*	-	6 Month IRA
OTHER TIERS: 1.87% → $1k - $75k

Locations

Synergy Federal Credit Union Locations
Branch Office	1801 Gulfway Dr	Port Arthur, TX 77640-4416
Branch Office	1 Valero Way	San Antonio, TX 78249-1616
Branch Office	1147 Cantwell Ln	Corpus Christi, TX 78407
Branch Office	9701 Manchester St	Houston, TX 77012-2408
Branch Office	1201 25th Ave N	Texas City, TX 77590-5525
Branch Office	19100 Ridgewood Pkwy	San Antonio, TX 78259
Branch Office	301 Le Roy St	Three Rivers, TX 78071

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