Synergy Federal Credit Union

Overview / Commentary
1 Valero Way
San Antonio, TX 78249

Synergy Federal Credit Union is headquartered in San Antonio and is the 82nd largest credit union in the state of Texas. It is also the 989th 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 Grade Components

NCUA #23605
Year Chartered1980
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD3.98%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$304.9MM$298.7MM
LoansQ2 2022vs Q2 2021$221.7MM$211.8MM
DepositsQ2 2022vs Q2 2021$261.8MM$257.2MM
Equity CapitalQ2 2022vs Q2 2021$40.1MM$41.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$267.00K$320.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$197.00K$227.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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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

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

0.45%*$75k*-Money Market Account
OTHER TIERS: 0.35% $2.5k - $25k | 0.40% $25k - $75k

Synergy Federal Credit Union Checking Account Rates

2.50%*-$10kRewards Cash Checking
OTHER TIERS: 0.25% $10k+
0.05%--Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

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

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

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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