Synergy Federal Credit Union

Overview / Commentary
1 Valero Way
San Antonio, TX 78249

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 962nd largest credit union in the nation. It was established in 1980 and as of March of 2021, it had grown to 38 employees and 11,816 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 - YTD0.99%
Return on Equity - YTD7.03%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$297.0MM$265.4MM
LoansQ1 2021vs Q1 2020$211.9MM$201.7MM
DepositsQ1 2021vs Q1 2020$254.1MM$226.7MM
Equity CapitalQ1 2021vs Q1 2020$40.2MM$37.0MM
Loan Loss AllowanceQ1 2021vs Q1 2020$299.00K$207.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$367.00K$602.00K
Real Estate OwnedQ1 2021vs Q1 2020$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

0.90%*$125k*-5 Year CD
OTHER TIERS: 0.75% $1k - $25k | 0.80% $25k - $75k | 0.85% $75k - $125k
0.80%*$125k*-4 Year CD
OTHER TIERS: 0.65% $1k - $25k | 0.70% $25k - $75k | 0.75% $75k - $125k
0.75%*$125k*-3 Year CD
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $75k | 0.70% $75k - $125k
0.60%*$125k*-2 Year CD
OTHER TIERS: 0.45% $1k - $25k | 0.50% $25k - $75k | 0.55% $75k - $125k
0.50%*$125k*-1 Year CD
OTHER TIERS: 0.35% $1k - $25k | 0.40% $25k - $75k | 0.45% $75k - $125k
0.35%*$125k*-6 Month CD
OTHER TIERS: 0.20% $1k - $25k | 0.25% $25k - $75k | 0.30% $75k - $125k

Synergy Federal Credit Union IRA Rates

1.00%*$125k*-5 Year IRA
OTHER TIERS: 0.85% $1k - $25k | 0.90% $25k - $75k | 0.95% $75k - $125k
0.90%*$125k*-4 Year IRA
OTHER TIERS: 0.75% $1k - $25k | 0.80% $25k - $75k | 0.85% $75k - $125k
0.85%*$125k*-3 Year IRA
OTHER TIERS: 0.70% $1k - $25k | 0.75% $25k - $75k | 0.80% $75k - $125k
0.70%*$125k*-2 Year IRA
OTHER TIERS: 0.55% $1k - $25k | 0.60% $25k - $75k | 0.65% $75k - $125k
0.60%*$125k*-1 Year IRA
OTHER TIERS: 0.45% $1k - $25k | 0.50% $25k - $75k | 0.55% $75k - $125k
0.45%*$125k*-6 Month IRA
OTHER TIERS: 0.30% $1k - $25k | 0.35% $25k - $75k | 0.40% $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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