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Overview / Commentary
210-345-2222
1 Valero Way
San Antonio, TX 78249-1616

Synergy Federal Credit Union is headquartered in San Antonio and is the 79th largest credit union in the state of Texas. It is also the 955th largest credit union in the nation. It was established in 1980 and as of June of 2017, it had grown to 38 employees and 11,543 members at 7 locations. Synergy Federal Credit Union's CD rates are 46% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of Valero Energy Corporation, NuStar Energy, Tesoro Corporation, CST Brands, and some select employee groups.
See current membership details

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Health
B+

Health Grade Components

Overall
NCUA #23605
Year Chartered1980
Employees38
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD6.99%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$227.1MM$237.2MM
LoansQ2 2017vs Q2 2016$177.3MM$167.3MM
DepositsQ2 2017vs Q2 2016$194.9MM$206.7MM
Equity CapitalQ2 2017vs Q2 2016$30.7MM$28.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$190.00K$168.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$369.00K$194.00K
Real Estate OwnedQ2 2017vs Q2 2016$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%*-$500Cub and Teen Savings Account
OTHER TIERS: 0.20% $500+
0.85%*$75k*-IRA Savings
OTHER TIERS: 0.65% $25 - $25k | 0.75% $25k - $75k
0.20%--Share Savings Account
0.20%--Special Share Savings/Club Account

Synergy Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$75k*-Money Market Account
OTHER TIERS: 0.35% $2,500 - $25k | 0.40% $25k - $75k

Synergy Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.17%*$125k*-5 Year CD
OTHER TIERS: 2.02% $1k - $25k | 2.07% $25k - $75k | 2.12% $75k - $125k
1.92%*$125k*-4 Year CD
OTHER TIERS: 1.76% $1k - $25k | 1.81% $25k - $75k | 1.87% $75k - $125k
1.81%*$125k*-3 Year CD
OTHER TIERS: 1.66% $1k - $25k | 1.71% $25k - $75k | 1.76% $75k - $125k
1.56%*$125k*-2 Year CD
OTHER TIERS: 1.41% $1k - $25k | 1.46% $25k - $75k | 1.51% $75k - $125k
1.31%*$125k*-1 Year CD
OTHER TIERS: 1.16% $1k - $25k | 1.21% $25k - $75k | 1.26% $75k - $125k
0.70%*$75k*-6 Months CD
OTHER TIERS: 0.60% $1k - $75k

Synergy Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$125k*-5 Year IRA
OTHER TIERS: 2.12% $1k - $25k | 2.17% $25k - $75k | 2.22% $75k - $125k
2.02%*$125k*-4 Year IRA
OTHER TIERS: 1.87% $1k - $25k | 1.92% $25k - $75k | 1.97% $75k - $125k
1.92%*$125k*-3 Year IRA
OTHER TIERS: 1.76% $1k - $25k | 1.81% $25k - $75k | 1.87% $75k - $125k
1.66%*$125k*-2 Year IRA
OTHER TIERS: 1.51% $1k - $25k | 1.56% $25k - $75k | 1.61% $75k - $125k
1.41%*$125k*-1 Year IRA
OTHER TIERS: 1.26% $1k - $25k | 1.31% $25k - $75k | 1.36% $75k - $125k
0.80%*$75k*-6 Month IRA
OTHER TIERS: 0.70% $1k - $75k
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 Office19500 Bulverde Rd Rm #202San Antonio, TX 78259