Synergy Federal Credit Union


Overview / Commentary
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 982nd largest credit union in the nation. It was established in 1980 and as of September of 2023, it had grown to 40 employees and 12,039 members at 7 locations. Synergy Federal Credit Union's CD rates are 6X 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

Health Grade Components

Overall
NCUA #23605
Year Chartered1980
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD5.87%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$312.8MM$299.5MM
LoansQ3 2023vs Q3 2022$254.3MM$230.1MM
DepositsQ3 2023vs Q3 2022$256.3MM$256.3MM
Equity CapitalQ3 2023vs Q3 2022$42.4MM$40.1MM
Loan Loss AllowanceQ3 2023vs Q3 2022$266K$229K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$434K$88K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.71%*$5$500Cub and Teen Savings Account
OTHER TIERS: 0.20% $500+
1.66%*$75k*-IRA Savings
OTHER TIERS: 1.36% $25 - $25k | 1.51% $25k - $75k
0.20%--Share Savings Account
0.20%--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
3.56%*-$10kRewards Cash Checking
OTHER TIERS: 0.25% $10k+
0.05%--Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.22%*$125k*-1 Year CD
OTHER TIERS: 5.06% $1k - $25k | 5.12% $25k - $75k | 5.17% $75k - $125k
5.06%$1k-6 Month CD
4.96%$1k-3 Month CD
4.44%$1k-2 Year CD
4.33%$1k-3 Year CD
4.07%$1k-4 Year CD
3.82%$1k-5 Year CD

Synergy Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.33%*$125k*-1 Year IRA
OTHER TIERS: 5.17% $1k - $25k | 5.22% $25k - $75k | 5.27% $75k - $125k
5.17%$1k-6 Month IRA
5.06%$1k-3 Month IRA
4.54%$1k-2 Year IRA
4.44%$1k-3 Year IRA
4.18%$1k-4 Year IRA
3.92%$1k-5 Year IRA
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 Leroy StThree Rivers, TX 78071

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