Featured Savings Rates
Featured Accounts
Overview / Commentary
1 Valero Way
San Antonio, TX 78249-1616

Synergy Federal Credit Union is headquartered in San Antonio and is the 78th largest credit union in the state of Texas. It is also the 932nd largest credit union in the nation. It was established in 1980 and as of September of 2017, it had grown to 37 employees and 11,529 members at 7 locations. Synergy Federal Credit Union's CD rates are 57% higher than the national average, and it boasts 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


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #23605
Year Chartered1980
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD6.81%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$231.6MM$225.0MM
LoansQ3 2017vs Q3 2016$179.4MM$172.4MM
DepositsQ3 2017vs Q3 2016$197.4MM$194.2MM
Equity CapitalQ3 2017vs Q3 2016$31.3MM$29.1MM
Loan Loss AllowanceQ3 2017vs Q3 2016$181.00K$179.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$579.00K$267.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
Report an Issue

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

1.71%*-$500Cub 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

0.45%*$75k*-Money Market Account
OTHER TIERS: 0.35% $2,500 - $25k | 0.40% $25k - $75k

Synergy Federal Credit Union Checking Account Rates

0.05%--Shared Draft Checking Account

Synergy Federal Credit Union CD Rates

2.22%*$125k*-5 Year CD
OTHER TIERS: 2.07% $1k - $25k | 2.12% $25k - $75k | 2.17% $75k - $125k
1.97%*$125k*-4 Year CD
OTHER TIERS: 1.81% $1k - $25k | 1.87% $25k - $75k | 1.92% $75k - $125k
1.87%*$125k*-3 Year CD
OTHER TIERS: 1.71% $1k - $25k | 1.76% $25k - $75k | 1.81% $75k - $125k
1.66%*$125k*-2 Year CD
OTHER TIERS: 1.51% $1k - $25k | 1.56% $25k - $75k | 1.61% $75k - $125k
1.41%*$125k*-1 Year CD
OTHER TIERS: 1.26% $1k - $25k | 1.31% $25k - $75k | 1.36% $75k - $125k
0.80%*$75k*-6 Months CD
OTHER TIERS: 0.70% $1k - $75k

Synergy Federal Credit Union IRA Rates

2.32%*$125k*-5 Year IRA
OTHER TIERS: 2.17% $1k - $25k | 2.22% $25k - $75k | 2.27% $75k - $125k
2.07%*$125k*-4 Year IRA
OTHER TIERS: 1.02% $75k - $125k | 1.92% $1k - $25k | 1.97% $25k - $75k
1.97%*$125k*-3 Year IRA
OTHER TIERS: 1.81% $1k - $25k | 1.87% $25k - $75k | 1.92% $75k - $125k
1.76%*$125k*-2 Year IRA
OTHER TIERS: 1.61% $1k - $25k | 1.66% $25k - $75k | 1.71% $75k - $125k
1.51%*$125k*-1 Year IRA
OTHER TIERS: 1.36% $1k - $25k | 1.41% $25k - $75k | 1.46% $75k - $125k
0.90%*$75k*-6 Month IRA
OTHER TIERS: 0.80% $1k - $75k

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 Office19500 Bulverde Rd Rm #202San Antonio, TX 78259