Synergy Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.53%	5-year CD	5 Year CD 2.50% - Ally Bank High Yield 5 Year CD
1.66%	1-year CD	1 Year CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.20%	Savings	Share Savings Account 1.60% - Goldman Sachs Bank USA High-yield Online Savings Account

View all Synergy Federal Credit Union rates »

Overview / Commentary

www.synergyfcu.org

210-345-2222

1 Valero Way
San Antonio, TX 78249-1616

Synergy Federal Credit Union is headquartered in San Antonio and is the 78^th largest credit union in the state of Texas. It is also the 935^th largest credit union in the nation. It was established in 1980 and as of December of 2017, it had grown to 38 employees and 11,583 members at 7 locations. Synergy Federal Credit Union's CD rates are 84% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees of Valero Energy Corporation, NuStar Energy, Tesoro Corporation, CST Brands, and some select employee groups.
See current membership details

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Health

A

Data as of Q4 2017

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Health Grade Components

Overall
NCUA #	23605
Year Chartered	1980
Employees	38
Primary Regulator

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	6.56%
Annual Interest Income	$7.3MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$230.8MM$223.5MM
Loans	Q4 2017vs Q4 2016	$180.0MM$173.7MM
Deposits	Q4 2017vs Q4 2016	$196.9MM$192.0MM
Equity Capital	Q4 2017vs Q4 2016	$31.7MM$29.5MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$299.00K$179.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$2.0MM$424.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Checking
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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%^*	-	$500	Cub and Teen Savings Account
OTHER TIERS: 0.20% → $500+
0.85%^*	$75k^*	-	IRA Savings
OTHER TIERS: 0.65% → $25 - $25k \| 0.75% → $25k - $75k
0.20%	-	-	Share Savings Account
0.20%	-	-	Special Share Savings/Club Account

Synergy Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.35% → $2,500 - $25k \| 0.40% → $25k - $75k

Synergy Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%^*	$125k^*	-	5 Year CD
OTHER TIERS: 2.38% → $1k - $25k \| 2.43% → $25k - $75k \| 2.48% → $75k - $125k
2.32%^*	$125k^*	-	4 Year CD
OTHER TIERS: 2.17% → $1k - $25k \| 2.22% → $25k - $75k \| 2.27% → $75k - $125k
2.17%^*	$125k^*	-	3 Year CD
OTHER TIERS: 2.02% → $1k - $25k \| 2.07% → $25k - $75k \| 2.12% → $75k - $125k
2.17%^*	$125k^*	-	2.5 Year CD Promotion
OTHER TIERS: 2.02% → $1k - $25k \| 2.07% → $7,500 - $125k \| 2.12% → $25k - $75k
1.97%^*	$125k^*	-	2 Year CD
OTHER TIERS: 1.81% → $1k - $25k \| 1.87% → $25k - $75k \| 1.92% → $75k - $125k
1.66%^*	$125k^*	-	1 Year CD
OTHER TIERS: 1.51% → $1k - $25k \| 1.56% → $25k - $75k \| 1.61% → $75k - $125k
0.90%^*	$125k^*	-	6 Months CD
OTHER TIERS: 0.75% → $1k - $25k \| 0.80% → $25k - $75k \| 0.85% → $75k - $125k

Synergy Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%^*	$125k^*	-	5 Year IRA
OTHER TIERS: 2.48% → $1k - $25k \| 2.53% → $25k - $75k \| 2.58% → $75k - $125k
2.43%^*	$125k^*	-	4 Year IRA
OTHER TIERS: 2.27% → $1k - $25k \| 2.32% → $25k - $75k \| 2.38% → $75k - $125k
2.27%^*	$125k^*	-	3 Year IRA
OTHER TIERS: 2.12% → $1k - $25k \| 2.17% → $25k - $75k \| 2.22% → $75k - $125k
2.27%^*	$125k^*	-	2.5 Year IRA Promotion
OTHER TIERS: 2.12% → $1k - $25k \| 2.17% → $25k - $75k \| 2.22% → $75k - $125k
2.07%^*	$125k^*	-	2 Year IRA
OTHER TIERS: 1.92% → $1k - $25k \| 1.97% → $25k - $75k \| 2.02% → $75k - $125k
1.76%^*	$125k^*	-	1 Year IRA
OTHER TIERS: 1.61% → $1k - $25k \| 1.66% → $25k - $75k \| 1.71% → $75k - $125k
1.00%^*	$125k^*	-	6 Month IRA
OTHER TIERS: 0.85% → $1k - $25k \| 0.90% → $25k - $75k \| 0.95% → $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	19500 Bulverde Rd Rm #202	San Antonio, TX 78259

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