Synergy Federal Credit Union

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A short history of Synergy FCU

Since its inception in 1980 the Synergy Federal Credit Union has been serving its members in the San Antonio, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Sean Murphy, the Synergy FCU has grown its membership to over 11,543 with assets of more than $227,102,019. They have a main office and 7 branch offices. Please see the credit unions website or contact them by phone at (210) 345-2222 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in San Antonio, TX.

General Information For Synergy FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 23605
Address PO Box 691730 
City San Antonio 
State Texas 
Zip-Code 78269
Phone Number (210) 345-2222
Fax Number (210) 345-2338
Email Address:
CEO/President Sean Murphy
Members 11,543 
Full-Time Employees 38 
Part-Time Employees
Number of Branch Offices
Total Assets 227,102,019 

Compare Synergy Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Express-news CU Express-News FCU 301 Avenue E 78205 (210) 250-3333 No 0.59
Local 142 CU CU South 23210 US Highway 98 Ste B1 36532 (616) 977-8100 No 0.68
River City CU Bandera Branch 11650 Bandera Rd Ste 133 78212 (210) 225-6866 No 0.71
City Public Service/ibew CU Main Office 1002 Camden ST 78215 (210) 353-2376 No 1.14
North East Texas CU Lone Star Office 1115 Lone Star Blvd 75668 (903) 656-2576 No 1.44

Synergy Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Synergy Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 2.10 2.10 4.50 5.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 41 27 205 260
Rank Among All Texas Credit Unions 50 12 10 62 52

Synergy Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.20 0.40 1.00 0.75
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 108 76 174 192
Rank Among All Texas Credit Unions 35 38 15 54 46
Synergy Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9002,3084,598,145
All Other Unsecured Loans/Lines of Credit 7.9001,1334,064,165
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.1001,45635,449,614
Used Vehicle Loans 2.1002,06334,852,934
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.50065783,882,319
Total Other Real Estate Loans/Lines of Credit 5.2502036,785,046
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.0004187,711,367
TOTAL LOANS & LEASES 8,238177,343,590

Synergy Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 19645,351,078163,641,201
    b. 15 Years or less 46138,531,241174,086,871
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1806,540,51312369,636
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 23244,5336196,500
Open-End Fixed Rate 0000
TOTALS 86090,667,365518,294,208


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Synergy Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes