Synergy Federal Credit Union

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

Synergy Federal Credit Union is headquartered in San Antonio and is the 80th largest credit union in the state of Texas. It is also the 979th largest credit union in the nation. It was established in 1980 and as of December of 2020, it had grown to 32 employees and 11,845 members at 7 locations. Synergy Federal Credit Union's money market rates are 25% higher than 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 - YTD1.02%
Return on Equity - YTD7.04%
Annual Interest Income$8.5MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$273.5MM$254.7MM
LoansQ4 2020vs Q4 2019$211.0MM$202.6MM
DepositsQ4 2020vs Q4 2019$231.1MM$216.0MM
Equity CapitalQ4 2020vs Q4 2019$39.8MM$36.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$275.00K$226.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.1MM$717.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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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

1.71%*$5$500Cub and Teen Savings Account
OTHER TIERS: 0.20% $500+
0.80%*$75k*-IRA Savings
OTHER TIERS: 0.60% $25 - $25k | 0.70% $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

0.55%*$75k*-Money Market Account
OTHER TIERS: 0.45% $2.5k - $25k | 0.50% $25k - $75k

Synergy Federal Credit Union Checking Account Rates

2.50%-$10kKasasa Cash Checking
0.05%--Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

0.95%*$125k*-5 Year CD
OTHER TIERS: 0.80% $1k - $25k | 0.85% $25k - $75k | 0.90% $75k - $125k
0.85%*$125k*-4 Year CD
OTHER TIERS: 0.70% $1k - $25k | 0.75% $25k - $75k | 0.80% $75k - $125k
0.80%*$125k*-3 Year CD
OTHER TIERS: 0.65% $1k - $25k | 0.70% $25k - $75k | 0.75% $75k - $125k
0.65%*$125k*-2 Year CD
OTHER TIERS: 0.50% $1k - $25k | 0.55% $25k - $75k | 0.60% $75k - $125k
0.55%*$125k*-1 Year CD
OTHER TIERS: 0.40% $1k - $25k | 0.45% $25k - $75k | 0.50% $75k - $125k
0.40%*$125k*-6 Month CD
OTHER TIERS: 0.25% $1k - $25k | 0.30% $25k - $75k | 0.35% $75k - $125k

Synergy Federal Credit Union IRA Rates

1.06%*$125k*-5 Year IRA
OTHER TIERS: 0.90% $1k - $25k | 0.95% $25k - $75k | 1.00% $75k - $125k
0.95%*$125k*-4 Year IRA
OTHER TIERS: 0.80% $1k - $25k | 0.85% $25k - $75k | 0.90% $75k - $125k
0.90%*$125k*-3 Year IRA
OTHER TIERS: 0.75% $1k - $25k | 0.80% $25k - $75k | 0.85% $75k - $125k
0.75%*$125k*-2 Year IRA
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $75k | 0.70% $75k - $125k
0.65%*$125k*-1 Year IRA
OTHER TIERS: 0.50% $1k - $25k | 0.55% $25k - $75k | 0.60% $75k - $125k
0.50%*$125k*-6 Month IRA
OTHER TIERS: 0.35% $1k - $25k | 0.40% $25k - $75k | 0.45% $75k - $125k

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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