Synergy Federal Credit Union

Headquarters

Po Box 691730
San Antonio, TX 78269
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 2.55% →
1-Year CD 0.95% 2.80% →
2-Year CD 1.06% 3.20% →
5-Year CD 1.36% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Synergy is an NCUA insured institution located in San Antonio, TX. It was founded in 1980 and has approximately $313.81 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 $313.81 million
Loans $214.18 million
Deposits $269.42 million
Capital $43.56 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 - August 13, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.45% $2,500 $2,999 Learn More
Money Market
0.45% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.55% $10,000 $14,999 Learn More
6 Mo CD
0.65% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.95% $100,000 $199,999 Learn More
24 Mo CD
0.95% $10,000 $14,999 Learn More
24 Mo CD
1.06% $100,000 $199,999 Learn More
36 Mo CD
1.11% $10,000 $14,999 Learn More
36 Mo CD
1.21% $100,000 $199,999 Learn More
48 Mo CD
1.16% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.36% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 13, 2022

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
5.043% 4.990% 0.63 $1,502 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
4.851% 4.750% 0.75 $2,920 $1,305 Learn More
Morty, Inc.
NMLS ID: 1429243
4.697% 4.625% 0.88 $2,098 $1,286 Learn More
PADDIO
NMLS ID: 1907
5.301% 5.125% 1.00 $5,000 $1,362 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to SYNERGY
To upload and update your bank's rates please register. It is free to register and add rates.


 

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:
Fairfield,Connecticut


Synergy Locations



Climate Initiatives

SYNERGY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
0.91% 4.75

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 March 31, 2022, Synergy had $379,729 in non-current loans and $19,800 in owned assets. To cover these potential losses it had $43,558,725 in net worth and $274,334 in loans loss reserves. That gives it a Texas Ratio of 0.91%.

Net Worth
Synergy U.S. Average
13.88% 12.28%

Synergy FCU has a net worth of 13.88% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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