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Synergy Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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 84th largest credit union in the state of Texas. It is also the 1,017th largest credit union in the nation. It was established in 1980 and as of September of 2024, it had grown to 40 employees and 12,065 members at 7 locations. Synergy Federal Credit Union's CD rates are 5X 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 Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #23605
Year Chartered1980
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD5.4%
Annual Interest Income$9.6MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$304.7MM$312.8MM
LoansQ3 2024vs Q3 2023$252.1MM$254.3MM
DepositsQ3 2024vs Q3 2023$256.4MM$256.3MM
Equity CapitalQ3 2024vs Q3 2023$44.5MM$42.4MM
Loan Loss AllowanceQ3 2024vs Q3 2023$173K$266K
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$1MM$434K
Real Estate OwnedQ3 2024vs Q3 2023$406K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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Always verify rates and promotions with the bank or credit union. We are not Synergy Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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%$0-Share Savings Account
0.20%$0-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
5.12%*$0$10kRewards Cash Checking
OTHER TIERS: 0.25% → $10k+
0.05%$0-Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$1k-6 Month CD
4.18%*$125k*-1 Year CD
OTHER TIERS: 4.02% → $1k - $25k | 4.07% → $25k - $75k | 4.13% → $75k - $125k
4.07%*$125k*-2 Year CD
OTHER TIERS: 3.92% → $1k - $25k | 3.97% → $25k - $75k | 4.02% → $75k - $125k
4.07%$1k-3 Month CD
3.87%*$125k*-3 Year CD
OTHER TIERS: 3.71% → $1k - $25k | 3.76% → $25k - $75k | 3.82% → $75k - $125k
3.82%*$125k*-4 Year CD
OTHER TIERS: 3.66% → $1k - $25k | 3.71% → $25k - $75k | 3.76% → $75k - $125k
3.76%*$125k*-5 Year CD
OTHER TIERS: 3.61% → $1k - $25k | 3.66% → $25k - $75k | 3.71% → $75k - $125k

Synergy Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.44%$1k-6 Month IRA
4.28%*$125k*-1 Year IRA
OTHER TIERS: 4.13% → $1k - $25k | 4.18% → $25k - $75k | 4.23% → $75k - $125k
4.18%*$125k*-2 Year IRA
OTHER TIERS: 4.02% → $1k - $25k | 4.07% → $25k - $75k | 4.13% → $75k - $125k
4.18%$1k-3 Month IRA
3.97%*$125k*-3 Year IRA
OTHER TIERS: 3.82% → $1k - $25k | 3.87% → $25k - $75k | 3.92% → $75k - $125k
3.92%*$125k*-4 Year IRA
OTHER TIERS: 3.76% → $1k - $25k | 3.82% → $25k - $75k | 3.87% → $75k - $125k
3.87%*$125k*-5 Year IRA
OTHER TIERS: 3.71% → $1k - $25k | 3.76% → $25k - $75k | 3.82% → $75k - $125k
Locations


Synergy Federal Credit Union Locations
Branch Office1801 S 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 E Le Roy StThree Rivers, TX 78071

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