What are the current interest rates at Synergy Federal Credit Union?

Current rates for Synergy Federal Credit Union include: 12-Month CD: 3.97%, 24-Month CD: 3.97%, 60-Month CD: 3.76%, Savings: 1.71%, MMA: 1.56%

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Synergy Federal Credit Union

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Synergy Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Synergy Federal Credit Union?

Yes, to access services at Synergy 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Synergy Federal Credit Union's top rates as of October 13, 2026 are 4.23% APY on its 1 Year IRA CDs CD, 1.71% APY on savings, 1.56% APY on money market accounts, 5.12% APY on checking, rv, boat and powersport loans from 6.00% APR, and credit cards from 10.40% APR, according to rates verified by MonitorBankRates. Other Synergy Federal Credit Union CD rates include 2 Year IRA CDs at 4.23%, IRA CDs (3 month) at 4.23%, and IRA CDs (3 year) at 4.23%. MonitorBankRates evaluates the financial stability of Synergy Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.39%. Rates last updated and verified on 10/13/2026.

Synergy 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 Synergy Federal Credit Union? Share your experience about Synergy Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Synergy Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.39%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Synergy Federal Credit Union
Main Office

1 Valero Way
San Antonio, TX 78249-1616

https://www.synergyfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Synergy Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year IRA Certificates	4.15%	4.23%	1 year
Min Deposit $250,001 Details Source table caption: IRA Certificates (1 year) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.23% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 Year IRA Certificates	4.15%	4.23%	2 year
Min Deposit $250,001 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07% Sep 21, 20264.23%▲ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (3 month)	4.15%	4.23%	3 months
Min Deposit $250,001 Details IRA Certificate; minimum deposit tier $250,001 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97% Sep 21, 20264.23%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (3 year)	4.15%	4.23%	3 year
Min Deposit $250,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.23% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (6 month)	4.15%	4.23%	6 months
Min Deposit $250,001 Details Dividend rate tier starting at $250,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.23% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
1 Year IRA Certificates	4.10%	4.18%	1 year
Min Deposit $100,001 Details Source table caption: IRA Certificates (1 year) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.18% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 Year IRA Certificates	4.10%	4.18%	2 year
Min Deposit $100,001 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 4.18% ▲ 0.16 pts · high 4.18% / low 4.02% Sep 21, 20264.18%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (3 month)	4.10%	4.18%	3 months
Min Deposit $100,001 Details IRA Certificate; minimum deposit tier $100,001 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97% Sep 21, 20264.18%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (3 year)	4.10%	4.18%	3 year
Min Deposit $100,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (6 month)	4.10%	4.18%	6 months
Min Deposit $100,001 Details Dividend rate tier starting at $100,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
1 Year IRA Certificates	4.05%	4.13%	1 year
Min Deposit $50,001 Details Source table caption: IRA Certificates (1 year) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 Year IRA Certificates	4.05%	4.13%	2 year
Min Deposit $50,001 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97% Sep 21, 20264.13%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 Year Share Certificates	4.05%	4.13%	2 year
Min Deposit $250,001 Details Share Certificates (2 year); Minimum Deposit tier: $250,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
3 Month Share Certificates	4.05%	4.13%	3 months
Min Deposit $250,001 Details Balance tier starting at $250,001; Minimum Deposit column Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87% Sep 21, 20264.13%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
6 Month Share Certificates	4.05%	4.13%	6 months
Min Deposit $250,001 Details Minimum deposit tier Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (3 month)	4.05%	4.13%	3 months
Min Deposit $50,001 Details IRA Certificate; minimum deposit tier $50,001 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.13% ▲ 0.16 pts · high 4.13% / low 3.97% Sep 21, 20264.13%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (3 year)	4.05%	4.13%	3 year
Min Deposit $50,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (6 month)	4.05%	4.13%	6 months
Min Deposit $50,001 Details Dividend rate tier starting at $50,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (1 year)	4.05%	4.13%	1 year
Min Deposit $250,001 Details Balance tier: $250,001 (Minimum Deposit tier) Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (3 year)	4.05%	4.13%	3 year
Min Deposit $250,001 Details Dividend Rate 4.05%; APY 4.13% Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
1 Year IRA Certificates	4.00%	4.07%	1 year
Min Deposit $1,000 Details Source table caption: IRA Certificates (1 year) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 Year IRA Certificates	4.00%	4.07%	2 year
Min Deposit $1,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.92% → 4.07% ▲ 0.15 pts · high 4.07% / low 3.92% Sep 21, 20264.07%▲ from 3.92% Sep 14, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 Year Share Certificates	4.00%	4.07%	2 year
Min Deposit $100,001 Details Share Certificates (2 year); Minimum Deposit tier: $100,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
3 Month Share Certificates	4.00%	4.07%	3 months
Min Deposit $100,001 Details Balance tier starting at $100,001; Minimum Deposit column Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87% Sep 21, 20264.07%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
6 Month Share Certificates	4.00%	4.07%	6 months
Min Deposit $100,001 Details Minimum deposit tier Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (3 month)	4.00%	4.07%	3 months
Min Deposit $1,000 Details IRA Certificate; minimum deposit tier $1,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97% Sep 21, 20264.07%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (3 year)	4.00%	4.07%	3 year
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (6 month)	4.00%	4.07%	6 months
Min Deposit $1,000 Details Dividend rate tier starting at $1,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (1 year)	4.00%	4.07%	1 year
Min Deposit $100,001 Details Balance tier: $100,001 (Minimum Deposit tier) Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (3 year)	4.00%	4.07%	3 year
Min Deposit $100,001 Details Dividend Rate 4.00%; APY 4.07% Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 Year Share Certificates	3.95%	4.02%	2 year
Min Deposit $50,001 Details Share Certificates (2 year); Minimum Deposit tier: $50,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
3 Month Share Certificates	3.95%	4.02%	3 months
Min Deposit $50,001 Details Balance tier starting at $50,001; Minimum Deposit column Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87% Sep 21, 20264.02%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
6 Month Share Certificates	3.95%	4.02%	6 months
Min Deposit $50,001 Details Minimum deposit tier Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (4 year)	3.95%	4.02%	4 year
Min Deposit $250,001 Details IRA Certificate; Rates applicable 10/07/2026 - 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (5 year)	3.95%	4.02%	5 year
Min Deposit $250,001 Details Minimum deposit tier $250,001; Dividend Rate 3.95%; APY 4.02% Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (1 year)	3.95%	4.02%	1 year
Min Deposit $50,001 Details Balance tier: $50,001 (Minimum Deposit tier) Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (3 year)	3.95%	4.02%	3 year
Min Deposit $50,001 Details Dividend Rate 3.95%; APY 4.02% Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 Year Share Certificates	3.90%	3.97%	2 year
Min Deposit $1,000 Details Share Certificates (2 year); Minimum Deposit tier: $1,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.97% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
3 Month Share Certificates	3.90%	3.97%	3 months
Min Deposit $1,000 Details Balance tier starting at $1,000; Minimum Deposit column Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87% Sep 21, 20263.97%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
6 Month Share Certificates	3.90%	3.97%	6 months
Min Deposit $1,000 Details Minimum deposit tier Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (4 year)	3.90%	3.97%	4 year
Min Deposit $100,001 Details IRA Certificate; Rates applicable 10/07/2026 - 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (5 year)	3.90%	3.97%	5 year
Min Deposit $100,001 Details Minimum deposit tier $100,001; Dividend Rate 3.90%; APY 3.97% Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (1 year)	3.90%	3.97%	1 year
Min Deposit $1,000 Details Balance tier: $1,000 (Minimum Deposit tier) Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.97% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (3 year)	3.90%	3.97%	3 year
Min Deposit $1,000 Details Dividend Rate 3.90%; APY 3.97% Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.97% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (4 year)	3.85%	3.92%	4 year
Min Deposit $50,001 Details IRA Certificate; Rates applicable 10/07/2026 - 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (5 year)	3.85%	3.92%	5 year
Min Deposit $50,001 Details Minimum deposit tier $50,001; Dividend Rate 3.85%; APY 3.92% Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (4 year)	3.85%	3.92%	4 year
Min Deposit $250,001 Details Rates applicable 10/07/2026 - 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (5 year)	3.85%	3.92%	5 year
Min Deposit $250,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (4 year)	3.80%	3.87%	4 year
Min Deposit $1,000 Details IRA Certificate; Rates applicable 10/07/2026 - 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.87% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates (5 year)	3.80%	3.87%	5 year
Min Deposit $1,000 Details Minimum deposit tier $1,000; Dividend Rate 3.80%; APY 3.87% Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (4 year)	3.80%	3.87%	4 year
Min Deposit $100,001 Details Rates applicable 10/07/2026 - 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (5 year)	3.80%	3.87%	5 year
Min Deposit $100,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.87% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (4 year)	3.75%	3.82%	4 year
Min Deposit $50,001 Details Rates applicable 10/07/2026 - 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (5 year)	3.75%	3.82%	5 year
Min Deposit $50,001 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (4 year)	3.70%	3.76%	4 year
Min Deposit $1,000 Details Rates applicable 10/07/2026 - 10/13/2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Certificates (5 year)	3.70%	3.76%	5 year
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union Savings Rates

Product	Rate	APY
Sprout and Teen Savings Account	1.70%	1.71%
Min Balance $5 Details Balance: $5-$499.99; Sprout Account 0-9 years old; Teen Account 10-17 years old Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Savings Account	0.20%	0.20%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Special Share Savings/Club Account	0.20%	0.20%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Sprout and Teen Savings Account	0.20%	0.20%
Min Balance $500 Details Balance: $500.00 and up; Sprout Account 0-9 years old; Teen Account 10-17 years old Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.55%	1.56%
Min Balance $75,000 Details Balance: $75,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market	1.40%	1.41%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market	1.25%	1.26%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union Checking Rates

Product	Rate	APY
Rewards Cash Checking Account	5.00%	5.12%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Draft Checking Account	0.05%	0.05%
Details Checking Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans Fixed-Rate (Texas Only) 2nd Lien	-	-	6.00%	up to 120 months
Details As Low As; Texas Only; 2nd Lien; Rate as low as 6.00% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Home Equity Loans Fixed-Rate (Texas Only) 2nd Lien	-	-	6.25%	up to 180 months
Details As Low As; Texas Only; 2nd Lien; Rate as low as 6.25% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Home Equity Land Loans Non-Homestead Fixed-Rate (Texas Only)	-	-	6.50%	up to 120 months
Details As Low As; Rate as low as; All rates shown as APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Home Equity Loans Fixed-Rate (Texas Only) 2nd Lien	-	-	6.75%	up to 240 months
Details As Low As; Texas Only; 2nd Lien; Rate as low as 6.75% Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Home Equity Land Loans Non-Homestead Fixed-Rate (Texas Only)	-	-	7.00%	up to 180 months
Details As Low As; Rate as low as; All rates shown as APR Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans - New & Used Vehicles	-	-	4.35%	Up to 60 months
Details As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loans - New & Used Vehicles	-	-	4.75%	Up to 72 months
Details As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loans - New & Used Vehicles	-	-	5.75%	Up to 84 months
Details As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boats Loan	-	6.00%	Up to 72 months
Details As Low As; Term - up to 72 months; Rates above will be reduced by 0.10% APR if application is submitted online; Used Vehicles - Financing available up to 100% of NADA Retail Value; specific rate & term dependent on credit rating, amount financed, & collateral Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Motorcycles/ Personal Watercrafts/ ATV Loan	-	6.00%	Up to 72 months
Details As Low As; Financing available up to 100% of NADA Retail Value; Rates reduced by 0.10% APR if application is submitted online; Online Only Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Trailers and Motor Homes - Up to 72 months Loan	-	6.00%	Up to 72 months
Details As Low As; Rates above will be reduced by 0.10% APR if application is submitted online; Financing available up to 100% of NADA Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Trailers and Motor Homes Loan	-	6.00%	72 months
Details As Low As; Term - up to 72 months; Rates above will be reduced by 0.10% APR if application is submitted online; Financing available up to 100% of NADA Retail Value; rate and term depend on credit rating, amount financed, and collateral Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Boats Loan	-	6.25%	Up to 96 months
Details As Low As; Term - up to 96 months; Rates above will be reduced by 0.10% APR if application is submitted online; Used Vehicles - Financing available up to 100% of NADA Retail Value; specific rate & term dependent on credit rating, amount financed, & collateral Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Trailers and Motor Homes - Up to 96 months Loan	-	6.25%	Up to 96 months
Details As Low As; Rates above will be reduced by 0.10% APR if application is submitted online; Financing available up to 100% of NADA Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Trailers and Motor Homes Loan	-	6.25%	96 months
Details As Low As; Term - up to 96 months; Rates above will be reduced by 0.10% APR if application is submitted online; Financing available up to 100% of NADA Retail Value; rate and term depend on credit rating, amount financed, and collateral Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Boats Loan	-	6.50%	Up to 120 months
Details As Low As; Term - up to 120 months; Rates above will be reduced by 0.10% APR if application is submitted online; Used Vehicles - Financing available up to 100% of NADA Retail Value; specific rate & term dependent on credit rating, amount financed, & collateral Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Trailers and Motor Homes - Up to 120 months Loan	-	6.50%	Up to 120 months
Details As Low As; Rates above will be reduced by 0.10% APR if application is submitted online; Financing available up to 100% of NADA Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Trailers and Motor Homes Loan	-	6.50%	120 months
Details As Low As; Term - up to 120 months; Rates above will be reduced by 0.10% APR if application is submitted online; Financing available up to 100% of NADA Retail Value; rate and term depend on credit rating, amount financed, and collateral Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Boats Loan	-	7.00%	Up to 144 months
Details As Low As; Term - up to 144 months; Rates above will be reduced by 0.10% APR if application is submitted online; Used Vehicles - Financing available up to 100% of NADA Retail Value; specific rate & term dependent on credit rating, amount financed, & collateral Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Trailers and Motor Homes - Up to 144 months Loan	-	7.00%	Up to 144 months
Details As Low As; Rates above will be reduced by 0.10% APR if application is submitted online; Financing available up to 100% of NADA Retail Value Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
New & Used Trailers and Motor Homes Loan	-	7.00%	144 months
Details As Low As; Term - up to 144 months; Rates above will be reduced by 0.10% APR if application is submitted online; Financing available up to 100% of NADA Retail Value; rate and term depend on credit rating, amount financed, and collateral Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Platinum I	-	10.40%
Details Rates are variable; may vary monthly based on the Prime Rate in the Wall Street Journal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
MasterCard Platinum II	-	13.40%
Details Rates are variable; may vary monthly based on the Prime Rate in the Wall Street Journal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
MasterCard Platinum Rewards	-	14.40%
Details Rates are variable; may vary monthly based on the Prime Rate in the Wall Street Journal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
MasterCard Platinum III	-	15.40%
Details Rates are variable; may vary monthly based on the Prime Rate in the Wall Street Journal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 15.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union Personal Loan Rates

Product	APR	Term
New & Used Motorcycles/ Personal Watercrafts/ ATV Loan	6.00%	Up to 72 months
Details As Low As; Financing available up to 100% of NADA Retail Value; Rates reduced by 0.10% APR if application is submitted online; Online Only Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Signature Loans	7.90%	12 months
Details As Low As; Rates reduced by 0.10% APR if application submitted online; specific rate and term depend on credit rating and amount financed Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Signature Loans	9.90%	36 months
Details As Low As; Minimum loan amount $1,000; Rates reduced by 0.10% APR if application submitted online; specific rate and term depend on credit rating and amount financed Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Signature Loans	10.90%	60 months
Details As Low As; Minimum loan amount $5,000; Rates reduced by 0.10% APR if application submitted online; specific rate and term depend on credit rating and amount financed Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 10.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Synergy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Platinum I Loan	-	-	10.40%
Details MasterCard Credit Card; Rates are Variable; Rate may vary monthly based on the Prime Rate in the Wall Street Journal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Platinum II Loan	-	-	13.40%
Details MasterCard Credit Card; Rates are Variable; Rate may vary monthly based on the Prime Rate in the Wall Street Journal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Platinum III Loan	-	-	15.40%
Details MasterCard Credit Card; Rates are Variable; Rate may vary monthly based on the Prime Rate in the Wall Street Journal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Platinum Rewards Loan	-	-	14.40%
Details MasterCard Credit Card; Rates are Variable; Rate may vary monthly based on the Prime Rate in the Wall Street Journal Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Synergy Line of Credit	-	-	10.90%
Details As Low As; Term: Open; Minimum loan amount $500.00; The specific rate will be dependent on your credit rating and amount financed Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 10.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Traditional & Roth IRAs	1.35%	-	1.36%
Min Balance $25 Details Balance: $25 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Traditional & Roth IRAs	1.50%	-	1.51%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Traditional & Roth IRAs	1.65%	-	1.66%
Min Balance $75,000 Details Balance: $75,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Synergy Federal Credit Union’s Texas Ratio stayed near 0.91% in Q3 2023 to 1.39% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$334M	1.39%	5.0	A+
March 31, 2026	$346M	2.31%	5.0	A+
December 31, 2025	$320M	3.78%	5.0	A+
September 30, 2025	$314M	0.96%	5.0	A+
June 30, 2025	$314M	1.86%	5.0	A+
March 31, 2025	$322M	1.51%	5.0	A+
December 31, 2024	$300M	2.42%	5.0	A+
September 30, 2024	$305M	2.12%	5.0	A+
June 30, 2024	$314M	1.98%	5.0	A+
March 31, 2024	$321M	0.52%	5.0	A+
December 31, 2023	$306M	0.94%	5.0	A+
September 30, 2023	$313M	0.91%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Synergy 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 Synergy 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 Synergy Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Synergy Federal Credit Union

Website https://www.synergyfcu.org

Address 1 Valero Way, San Antonio, TX 78249-1616

Phone 210-750-8333

Fax 210-345-2338

President Stephen Weissling

CEO Casidhe Meriwether

Full-Time Employees 38

Part-Time Employees 2

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.39%

Return on Assets (ROA)

0.6153%

Return on Equity (ROE)

3.8999%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

334,177,469

Total Amount of Shares and Deposits

281,754,501

Total Shares and Deposits < 1 Year

262,676,092

Total Shares and Deposits 1 3 Years

15,482,685

Total Shares and Deposits > 3 Years

3,595,720

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

19,827,611

Total Uninsured Shares and Deposits > $250K (F+J)

19,827,611

Total Insured Shares and Deposits > $250K (item 17 less item K)

261,926,890

Total Interest Expense (Sum of items 6 8)

2,768,982

Share Certificates

1,555

Number of Accounts for Share Drafts

6,601

IRA KEOGH Accounts

145

Number of Accounts for Regular Shares

12,643

All other shares

1,094

Money Market Shares

447

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,781,111

Total Liabilities

284,105,484

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Synergy Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Synergy Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Synergy Federal Credit Union

Frequently Asked Questions About Synergy Federal Credit Union

How many branches does Synergy Federal Credit Union operate?

Synergy 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 Synergy Federal Credit Union?

Yes, to access services at Synergy 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, Synergy 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, Synergy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Synergy Federal Credit Union offer online and mobile banking?

Most modern institutions like Synergy Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.synergyfcu.org.

Current Synergy Federal Credit Union Rates

12-Month CD3.97%
24-Month CD3.97%
60-Month CD3.76%
Savings1.71%
MMA1.56%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Synergy Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Synergy Federal Credit Union Texas Ratio

Synergy Federal Credit Union Health Trend

Synergy Federal Credit Union CD Rates

Synergy Federal Credit Union Savings Rates

Synergy Federal Credit Union Money Market Rates

Synergy Federal Credit Union Checking Rates

Synergy Federal Credit Union Home Equity & HELOC

Synergy Federal Credit Union Auto Loan Rates

Synergy Federal Credit Union RV, Boat and Powersport Loan Rates

Synergy Federal Credit Union Credit Card Rates

Synergy Federal Credit Union Personal Loan Rates

Synergy Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Synergy Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Synergy Federal Credit Union

How many branches does Synergy Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Synergy Federal Credit Union offer online and mobile banking?

Current Synergy Federal Credit Union Rates

Compare to Other Credit Unions