Synergy Federal Credit Union
Headquarters
Po Box 691730
San Antonio, TX 78269
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2024 Overview
General Credit Union Information
Synergy is an NCUA insured institution located in San Antonio, TX. It was founded in 1980 and has approximately $305.84 millions in assets.
Who can join?
Employees of Valero Energy Corp, NuStar Energy, Tesoro Corporation, and some select employee groups, may be eligible to join Synergy Federal Credit Union. Once you are a member of Synergy FCU your spouse, children, parents, grandparents and siblings may be eligible to join also.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 23605 |
| Date Established | 1980 |
| Assets | $305.84 million |
| Loans | $256.11 million |
| Deposits | $251.41 million |
| Capital | $45.49 million |
Field of Membership Restrictions
Membership is open to employees of Valero Energy Corporation, NuStar Energy, Tesoro Corporation, CST Brands, and some select employee groups.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.45% | $2,500 | $2,999 |
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|
|
Money Market
|
0.45% | $10,000 | $14,999 |
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|
|
Money Market
|
0.50% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.06% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.26% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.26% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.36% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Synergy
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 447490 |
6.817% | 6.750% | 0.63 | $2,189 | $2,076 | Learn More |
NMLS ID: 2059741 |
6.894% | 6.750% | 0.88 | $4,746 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
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More Info |
Note to Synergy
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Branches
Below are Synergy branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
SYNERGY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Synergy Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Synergy. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Synergy | U.S. Average |
|---|---|
| 5.24% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Synergy had $2,380,666 in non-current loans and $19,800 in owned assets. To cover these potential losses it had $45,493,639 in net worth and $299,668 in loans loss reserves. That gives it a Texas Ratio of 5.24%.
Net Worth
| Synergy | U.S. Average |
|---|---|
| 14.88% | 13.62% |
Synergy FCU has a net worth of 14.88% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Synergy
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