Synergy Federal Credit Union

Overview / Commentary

www.synergyfcu.org

210-750-8333

1 Valero Way
San Antonio, TX 78249-1616

Synergy Federal Credit Union is headquartered in San Antonio and is the 80^th largest credit union in the state of Texas. It is also the 979^th 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

A+

Data as of Q4 2020

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Health Grade Components

Overall
NCUA #	23605
Year Chartered	1980
Employees	32
Primary Regulator

Profit Margin
Return on Assets - YTD	1.02%
Return on Equity - YTD	7.04%
Annual Interest Income	$8.5MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$273.5MM$254.7MM
Loans	Q4 2020vs Q4 2019	$211.0MM$202.6MM
Deposits	Q4 2020vs Q4 2019	$231.1MM$216.0MM
Equity Capital	Q4 2020vs Q4 2019	$39.8MM$36.8MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$275.00K$226.00K
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$1.1MM$717.00K
Real Estate Owned	Q4 2020vs Q4 2019	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
1.71%^*	$5	$500	Cub 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.45% → $2.5k - $25k \| 0.50% → $25k - $75k

Synergy Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	-	$10k	Kasasa Cash Checking
0.05%	-	-	Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Synergy Federal Credit Union Locations
Branch Office	1801 Gulfway Dr	Port Arthur, TX 77640-4416
Branch Office	1 Valero Way	San Antonio, TX 78249-1616
Branch Office	1147 Cantwell Ln	Corpus Christi, TX 78407
Branch Office	9701 Manchester St	Houston, TX 77012-2408
Branch Office	1201 25th Ave N	Texas City, TX 77590-5525
Branch Office	19100 Ridgewood Pkwy	San Antonio, TX 78259
Branch Office	301 Le Roy St	Three Rivers, TX 78071

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