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Synergy Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/3/2025
3.80%
Our Rating
4.2  / 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 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 82nd 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 March of 2025, it had grown to 39 employees and 12,187 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #23605
Year Chartered1980
Employees39
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD5.15%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$321.5MM$320.7MM
LoansQ1 2025vs Q1 2024$251.1MM$254.3MM
DepositsQ1 2025vs Q1 2024$273.7MM$272.5MM
Equity CapitalQ1 2025vs Q1 2024$45.2MM$40.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$238K$219K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$733K$242K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/3/2025
3.80%
Our Rating
4.2  / 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 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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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