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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 1,001st largest credit union in the nation. It was established in 1980 and as of December of 2021, it had grown to 37 employees and 11,744 members at 7 locations. Synergy Federal Credit Union has 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 Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #23605
Year Chartered1980
Employees37
Primary Regulator
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD8.63%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$292.2MM$273.5MM
LoansQ4 2021vs Q4 2020$213.4MM$211.0MM
DepositsQ4 2021vs Q4 2020$246.7MM$231.1MM
Equity CapitalQ4 2021vs Q4 2020$43.0MM$39.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$288.00K$275.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$207.00K$1.1MM
Real Estate OwnedQ4 2021vs Q4 2020$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+
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$10kKasasa Cash Checking
OTHER TIERS: 0.25% → $10k+
0.05%--Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%*$75k*-5 Year CD
OTHER TIERS: 1.31% → $1k - $75k
1.26%*$75k*-4 Year CD
OTHER TIERS: 1.21% → $1k - $75k
1.16%*$75k*-3 Year CD
OTHER TIERS: 1.11% → $1k - $75k
1.06%*$75k*-2 Year CD
OTHER TIERS: 1.00% → $1k - $75k
0.95%*$75k*-1 Year CD
OTHER TIERS: 0.90% → $1k - $75k
0.85%*$125k*-6 Month CD
OTHER TIERS: 0.70% → $1k - $25k | 0.75% → $25k - $75k | 0.80% → $75k - $125k

Synergy Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.46%*$75k*-5 Year IRA
OTHER TIERS: 1.41% → $1k - $75k
1.36%*$75k*-4 Year IRA
OTHER TIERS: 1.31% → $1k - $75k
1.26%*$75k*-3 Year IRA
OTHER TIERS: 1.21% → $1k - $75k
1.16%*$75k*-2 Year IRA
OTHER TIERS: 1.11% → $1k - $75k
1.06%*$75k*-1 Year IRA
OTHER TIERS: 1.00% → $1k - $75k
0.95%*$125k*-6 Month IRA
OTHER TIERS: 0.80% → $1k - $25k | 0.85% → $25k - $75k | 0.90% → $75k - $125k
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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