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Synergy Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% 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 4/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 1,026th largest credit union in the nation. It was established in 1980 and as of December of 2024, it had grown to 40 employees and 12,910 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

Reviews

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #23605
Year Chartered1980
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD5.04%
Annual Interest Income$12.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$299.5MM$305.8MM
LoansQ4 2024vs Q4 2023$249.6MM$256.1MM
DepositsQ4 2024vs Q4 2023$255.9MM$251.4MM
Equity CapitalQ4 2024vs Q4 2023$44.2MM$41.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$224K$221K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1.2MM$431K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% 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 4/24/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/24/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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+
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
1.66%*$75k*-IRA Savings
OTHER TIERS: 1.36% → $25 - $25k | 1.51% → $25k - $75k
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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