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Symphony Federal Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: April 14, 2026

You can compare Symphony Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.50%, 6-month share certificate rates at 3.25% and 3-month share certificate rates at 0.20%. Savings rates are at 0.10% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.94%. All these rates can be compared to Symphony Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Symphony Federal Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 99.09%. Rates were last updated on 04/14/2026.

Symphony Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Symphony Federal Credit Union? Share your experience about Symphony Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Symphony Federal Credit Union.

Overall Health & Safety Grade ?
F
High Risk Health Score: 10/100
MonitorBankRates Rating ?
1.0
Weak Out of 5.0 Stars
Texas Ratio ?
99.09%
Weak Higher than avg
Symphony Federal Credit Union
Main Office
301 Massachusetts Ave
Boston, MA 02115
Member NCUA

Current Rate Availability

We do not have Symphony Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Symphony Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Symphony Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Symphony Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Symphony Federal Credit Union
Website
Address 301 Massachusetts Ave, Boston, MA 02115
Phone 857-362-7328
Fax 857-362-7329
President Ronan Lefkowitz
CEO Christine Ross
Full-Time Employees 0
Part-Time Employees 1
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (10/100)
Texas Ratio
99.09%
Return on Assets (ROA)
0.2733%
Return on Equity (ROE)
3.2371%
Non-Performing Loans Ratio (NPL)
10.13%
Total Assets
2,028,627
Total Amount of Shares and Deposits
1,843,196
Total Shares and Deposits < 1 Year
1,595,196
Total Shares and Deposits > 3 Years
248,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
113,800
Total Uninsured Shares and Deposits > $250K (F+J)
113,800
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,729,396
Total Interest Expense (Sum of items 6 8)
28,736
Share Certificates
19
Number of Accounts for Regular Shares
219
All other shares
23
Non Member Deposits
1
Money Market Shares
27
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
170,914
Total Liabilities
1,857,331
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Symphony Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Symphony Federal Credit Union

Is Symphony Federal Credit Union a safe place to deposit money?

Yes, Symphony Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 99.087918418771%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Symphony Federal Credit Union operate?

Symphony Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Symphony Federal Credit Union?

Yes, to access services at Symphony Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Symphony Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Symphony Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Symphony Federal Credit Union offer online and mobile banking?

Most modern institutions like Symphony Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.

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