Synergy Credit Union
Verified rate book
Current Synergy Credit Union rates
145 published offers verified as of August 4, 2026.
Mortgage rates
24 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Non-Conforming Jumbo Rates with 1% origination fee* (30-Year Fixed)30 year fixed | 5.250% APR | 5.250% | — | Standard |
| Conforming Rates with 1% origination fee* (30-Year Fixed)30 year fixed | 5.250% APR | 5.250% | — | Standard |
| 30-Year Fixed Non-Conforming Jumbo Mortgage30 year fixed | 5.393% APR | 5.250% | — | Standard |
| 30-Year Fixed30 year fixed | 5.393% APR | 5.250% | — | Standard |
| 30-Year Fixed30 year fixed | 5.444% APR | 5.250% | — | Standard |
| Non-Conforming Jumbo Rates with 1% origination fee* (15-Year Fixed)15 year fixed | 4.750% APR | 4.750% | — | Standard |
| Conforming Rates with 1% origination fee* (15-Year Fixed)15 year fixed | 4.750% APR | 4.750% | — | Standard |
| 15-Year Fixed Non-Conforming Jumbo Mortgage15 year fixed | 4.985% APR | 4.750% | — | Standard |
| 15-Year Fixed15 year fixed | 4.985% APR | 4.750% | — | Standard |
| 15-Year Fixed15 year fixed | 5.075% APR | 4.750% | — | Standard |
| 15-Year Fixed15 year fixed | 5.075% APR | 4.750% | — | Standard |
| Non-Conforming Jumbo Rates with 1% origination fee* (20-Year Fixed)20 year fixed | 5.000% APR | 5.000% | — | Standard |
| Conforming Rates with 1% origination fee* (20-Year Fixed)20 year fixed | 5.000% APR | 5.000% | — | Standard |
| 20-Year Fixed20 year fixed | 5.189% APR | 5.000% | — | Standard |
| 20-Year Fixed Non-Conforming Jumbo Mortgage20 year fixed | 5.189% APR | 5.000% | — | Standard |
| 20-Year Fixed20 year fixed | 5.257% APR | 5.000% | — | Standard |
| 20-Year Fixed20 year fixed | 5.257% APR | 5.000% | — | Standard |
| Home Improvement Conventional Fixed-Rate (Texas Only) (up to 120 months)other | 6.000% APR | 6.000% | — | Standard |
| Home Improvement Conventional Fixed-Rate (Texas Only)other | 6.000% APR | 6.000% | — | Standard |
| Land Loans Non-Homestead Fixed-Rate (Texas Only)other | 6.500% APR | 6.500% | — | Standard |
| Land Loans Non-Homestead Fixed-Rate (Texas Only) (up to 120 months)other | 6.500% APR | 6.500% | — | Standard |
| Home Improvement Conventional Fixed-Rate (Texas Only) (up to 180 months)other | 6.500% APR | 6.500% | — | Standard |
| Land Loans Non-Homestead Fixed-Rate (Texas Only) (up to 180 months)other | 7.000% APR | 7.000% | — | Standard |
| Home Improvement Conventional Fixed-Rate (Texas Only) (up to 240 months)other | 7.000% APR | 7.000% | — | Standard |
Auto & vehicle rates
13 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.350% APR | 4.350% | — | Standard |
| New & Used Vehicles (60 months)auto_any_60mo | 4.350% APR | 4.350% | 60 mo · any | Standard |
| New & Used Vehicles (72 months)auto_any_72mo | 4.750% APR | 4.750% | 72 mo · any | Standard |
| New & Used Vehicles (84 months)auto_any_84mo | 5.750% APR | 5.750% | 84 mo · any | Standard |
| New & Used Motorcycles/ Personal Watercrafts/ ATV (72 months)motorcycle_any_72mo | 6.000% APR | 6.000% | 72 mo · any | Standard |
| New & Used Trailers and Motor Homes (72 months)powersports_any_72mo | 6.000% APR | 6.000% | 72 mo · any | Standard |
| New & Used Boats (72 months)boat_any_72mo | 6.000% APR | 6.000% | 72 mo · any | Standard |
| New & Used Trailers and Motor Homes (96 months)powersports_any_96mo | 6.250% APR | 6.250% | 96 mo · any | Standard |
| New & Used Boats (96 months)boat_any_96mo | 6.250% APR | 6.250% | 96 mo · any | Standard |
| New & Used Boats (120 months)boat_any_120mo | 6.500% APR | 6.500% | 120 mo · any | Standard |
| New & Used Trailers and Motor Homes (120 months)powersports_any_120mo | 6.500% APR | 6.500% | 120 mo · any | Standard |
| New & Used Boats (144 months)boat_any_144mo | 7.000% APR | 7.000% | 144 mo · any | Standard |
| New & Used Trailers and Motor Homes (144 months)powersports_any_144mo | 7.000% APR | 7.000% | 144 mo · any | Standard |
HELOC rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loans Fixed-Rate (Texas Only) 1st Lien (up to 120 months)heloc_fixed | 5.250% APR | 5.250% | — | Standard |
| Home Equity Loans Fixed-Rate (Texas Only) 1st Lien (up to 180 months)heloc_fixed | 5.500% APR | 5.500% | — | Standard |
| Home Equity 1st Lienheloc | 5.500% APR | 5.500% | — | Standard |
| Home Equity Loans Fixed-Rate (Texas Only) 1st Lien (up to 240 months)heloc_fixed | 6.000% APR | 6.000% | — | Standard |
| Home Equity Loans Fixed-Rate (Texas Only) 2nd Lien (up to 120 months)heloc_fixed | 6.000% APR | 6.000% | — | Standard |
| Home Equity Loans Fixed-Rate (Texas Only) 2nd Lien (up to 180 months)heloc_fixed | 6.250% APR | 6.250% | — | Standard |
| Home Equity Loans Fixed-Rate (Texas Only) 2nd Lien (up to 240 months)heloc_fixed | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Other Collateral (Up to 60 months)personal_secured_60mo | 6.500% APR | 6.500% | 60 mo | Standard |
| 12-Month Signature Loanpersonal_unsecured_12mo | 7.900% APR | 7.900% | 12 mo | Standard |
| Platinum Share Securedpersonal_secured | 8.400% APR | 8.400% | — | Standard |
| 36-Month Signature Loanpersonal_unsecured_36mo | 9.900% APR | 9.900% | 36 mo | Standard |
| Synergy Line of Creditploc_variable | 10.900% APR | 10.900% | — | Standard |
| 60-Month Signature Loanpersonal_unsecured_60mo | 10.900% APR | 10.900% | 60 mo | Standard |
Credit card rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| MasterCard Credit Cards - Platinum Share Securedcredit_card_secured | 8.400% APR | 8.400% | — | Standard |
| Credit Cardcredit_card | 8.400% APR | 8.400% | — | Standard |
| MasterCard Credit Cards - Platinum Icredit_card_platinum | 10.400% APR | 10.400% | — | Standard |
| MasterCard Credit Cards - Platinum IIcredit_card_platinum | 13.400% APR | 13.400% | — | Standard |
| MasterCard Credit Cards - Platinum Rewardscredit_card_rewards | 14.400% APR | 14.400% | — | Standard |
| MasterCard Credit Cards - Platinum IIIcredit_card_platinum | 15.400% APR | 15.400% | — | Standard |
Savings & CD rates
89 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Non-Qualifying (all funds)savings | 0.05% APY | 0.05% | — | Standard |
| Savings Accounts (Special Share Savings/Club Account)share_savings | 0.20% APY | 0.20% | — | Specialty offer |
| Sprout and Teen Savings Accountsavings | 0.20% APY | 0.20% | — | Standard |
| Sprout and Teen Savings Account** ($500.00 and up)savings | 0.20% APY | 0.20% | — | Eligibility restricted |
| Qualifying ($10,000.01 and above)savings | 0.25% APY | 0.25% | — | Standard |
| $2,500 - $24,999.99savings | 1.25% APY | 1.25% | — | Standard |
| Money Market ($2,500 - $24,999.99)money_market | 1.25% APY | 1.25% | — | Standard |
| Money Marketmoney_market | 1.26% APY | 1.25% | — | Standard |
| $25 - $24,999.99savings | 1.35% APY | 1.35% | — | Standard |
| Traditional & Roth IRAs ($25 - $24,999.99)ira | 1.35% APY | 1.35% | — | Standard |
| Traditional & Roth IRAsira | 1.36% APY | 1.35% | — | Standard |
| Money Market ($25,000 - $74,999.99)money_market | 1.40% APY | 1.40% | — | Standard |
| $25,000 - $74,999.99savings | 1.40% APY | 1.40% | — | Standard |
| Money Marketmoney_market | 1.41% APY | 1.40% | — | Standard |
| Traditional & Roth IRAs ($25,000 - $74,999.99)ira | 1.50% APY | 1.50% | — | Standard |
| Traditional & Roth IRAsira | 1.51% APY | 1.50% | — | Standard |
| $75,000 And Abovesavings | 1.55% APY | 1.55% | — | Standard |
| Money Market ($75,000+)money_market | 1.55% APY | 1.55% | — | Standard |
| Money Marketmoney_market | 1.56% APY | 1.55% | — | Standard |
| Traditional & Roth IRAs ($75,000 and above)ira | 1.65% APY | 1.65% | — | Standard |
| Traditional & Roth IRAsira | 1.66% APY | 1.65% | — | Standard |
| Sprout and Teen Savings Account** ($5-$499.99)savings | 1.70% APY | 1.70% | — | Eligibility restricted |
| Sprout and Teen Savings Accountsavings | 1.71% APY | 1.70% | — | Standard |
| Sprout and Teen Savings Account ($5-$499.99)savings | 1.71% APY | 1.70% | — | Standard |
| Share Certificates (4 year) ($1,000)share_certificate_48mo | 3.65% APY | 3.65% | 48 mo | Standard |
| Share Certificates (5 year) ($1,000)share_certificate_60mo | 3.65% APY | 3.65% | 60 mo | Standard |
| Share Certificates (3 year) ($1,000)share_certificate_36mo | 3.70% APY | 3.70% | 36 mo | Standard |
| Share Certificates (5 year) ($50,001)share_certificate_60mo | 3.70% APY | 3.70% | 60 mo | Standard |
| Share Certificates (4 year) ($50,001)share_certificate_48mo | 3.70% APY | 3.70% | 48 mo | Standard |
| Share Certificates (1 year) ($1,000)share_certificate_12mo | 3.75% APY | 3.75% | 12 mo | Standard |
| $1,000savings | 3.75% APY | 3.75% | — | Standard |
| Certificatecd | 3.75% APY | 3.75% | — | Standard |
| Share Certificates (2 year) ($1,000)share_certificate_24mo | 3.75% APY | 3.75% | 24 mo | Standard |
| Share Certificates (4 year) ($100,001)share_certificate_48mo | 3.75% APY | 3.75% | 48 mo | Standard |
| Share Certificates (5 year) ($100,001)share_certificate_60mo | 3.75% APY | 3.75% | 60 mo | Standard |
| Share Certificates (3 year) ($50,001)share_certificate_36mo | 3.75% APY | 3.75% | 36 mo | Standard |
| Share Certificates (3 year) ($100,001)share_certificate_36mo | 3.80% APY | 3.80% | 36 mo | Standard |
| Share Certificates (5 year) ($250,001)share_certificate_60mo | 3.80% APY | 3.80% | 60 mo | Standard |
| Share Certificates (1 year) ($50,001)share_certificate_12mo | 3.80% APY | 3.80% | 12 mo | Standard |
| $50,001savings | 3.80% APY | 3.80% | — | Standard |
| Share Certificates (4 year) ($250,001)share_certificate_48mo | 3.80% APY | 3.80% | 48 mo | Standard |
| Share Certificates (2 year) ($50,001)share_certificate_24mo | 3.80% APY | 3.80% | 24 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.82% APY | 3.82% | 12 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.82% APY | 3.82% | 24 mo | Standard |
| 48-Month IRA Certificateira_cd_48mo | 3.82% APY | 3.82% | 48 mo | Standard |
| 60-Month IRA Certificateira_cd_60mo | 3.82% APY | 3.82% | 60 mo | Standard |
| Share Certificates (3 year) ($250,001)share_certificate_36mo | 3.85% APY | 3.85% | 36 mo | Standard |
| $250,001savings | 3.85% APY | 3.85% | — | Standard |
| Share Certificates (2 year) ($100,001)share_certificate_24mo | 3.85% APY | 3.85% | 24 mo | Standard |
| Share Certificates (1 year) ($100,001)share_certificate_12mo | 3.85% APY | 3.85% | 12 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.87% APY | 3.87% | 36 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.87% APY | 3.87% | 12 mo | Standard |
| 60-Month IRA Certificateira_cd_60mo | 3.87% APY | 3.87% | 60 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.87% APY | 3.87% | 24 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.87% APY | 3.87% | 6 mo | Standard |
| 48-Month IRA Certificateira_cd_48mo | 3.87% APY | 3.87% | 48 mo | Standard |
| Share Certificates (2 year) ($250,001)share_certificate_24mo | 3.90% APY | 3.90% | 24 mo | Standard |
| Share Certificates (1 year) ($250,001)share_certificate_12mo | 3.90% APY | 3.90% | 12 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 3.92% APY | 3.92% | 12 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 3.92% APY | 3.92% | 24 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.92% APY | 3.92% | 24 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.92% APY | 3.92% | 36 mo | Standard |
| 3-Month IRA Certificateira_cd_3mo | 3.92% APY | 3.92% | 3 mo | Standard |
| 48-Month IRA Certificateira_cd_48mo | 3.92% APY | 3.92% | 48 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.92% APY | 3.92% | 6 mo | Standard |
| 60-Month IRA Certificateira_cd_60mo | 3.92% APY | 3.92% | 60 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.92% APY | 3.92% | 12 mo | Standard |
| 48-Month IRA Certificateira_cd_48mo | 3.97% APY | 3.97% | 48 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 3.97% APY | 3.97% | 12 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 3.97% APY | 3.97% | 24 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.97% APY | 3.97% | 36 mo | Standard |
| 3-Month IRA Certificateira_cd_3mo | 3.97% APY | 3.97% | 3 mo | Standard |
| 60-Month IRA Certificateira_cd_60mo | 3.97% APY | 3.97% | 60 mo | Standard |
| 6-Month IRA Certificateira_cd_6mo | 3.97% APY | 3.97% | 6 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.97% APY | 3.97% | 12 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.97% APY | 3.97% | 24 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.97% APY | 3.97% | 6 mo | Standard |
| 6-Month IRA Certificateira_cd_6mo | 4.02% APY | 4.02% | 6 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 4.02% APY | 4.02% | 12 mo | Standard |
| 3-Month IRA Certificateira_cd_3mo | 4.02% APY | 4.02% | 3 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 4.02% APY | 4.02% | 24 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 4.02% APY | 4.02% | 36 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 4.07% APY | 4.07% | 24 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 4.07% APY | 4.07% | 12 mo | Standard |
| 6-Month IRA Certificateira_cd_6mo | 4.07% APY | 4.07% | 6 mo | Standard |
| 60-Month Certificatecd_60mo | 4.35% APY | 4.35% | 60 mo | Standard |
| 72-Month Certificatecd_72mo | 4.75% APY | 4.75% | 72 mo | Standard |
| Qualifying ($0.01-$10,000)savings | 5.00% APY | 5.00% | — | Standard |
| 84-Month Certificatecd_84mo | 5.75% APY | 5.75% | 84 mo | Standard |
As of August 4, 2026, Synergy Credit Union offers a 30-year fixed mortgage at 5.25% APR. Vehicle loans available from 4.35% APR. HELOC rates from 5.25% APR. Personal loan rates from 6.5% APR. Credit card rates from 8.4% APR. Savings and certificate yields up to 5.75% APY.
Source: RateAPI.dev, verified from Synergy Credit Union's official website
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About Synergy Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 12.3K
- Assets
- $345.5M
- Founded
- 1980
- Locations reported
- 7
- NCUA charter
- 23605
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Custom URLIH 10@utsa · San Antonio · TX · 78249-2360Branch in the same ZIPCredit HumanUniversity Heights Financial Health Center · San Antonio · TX · 78249-2272Branch in the same ZIPH E BSan Antonio Service Center · San Antonio · TX · 78249Branch in the same ZIPSecurity Service1604/Bandera · San Antonio · TX · 78249-2513Branch in the same ZIPFirstmarkHuebner Branch · San Antonio · TX · 78240-1861About 2.9 miles awayTexas Associations of ProfessionalsMain Office · San Antonio · TX · 78230-3121About 3.8 miles away
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Synergy Credit Union
Membership eligibility from Synergy Credit Union's own published criteria. How we verify this.
Membership via employers (Valero Energy Corporation +6 more) or the Bexar County Medical Society +4 more
- LocationAransas County, Atascosa County, Live Oak County
- EmployerValero Energy Corporation, Diamond Green Diesel, Marathon Petroleum Company, Howard Energy Partners, Sunoco LP, Core-Mark International, Couche-Tard
- AssociationBexar County Medical Society, Travis County Medical Socity, Harris County Medical Society, Ridgewood Parkway Industrial Park, American Marketing Association San Antonio Chapter
Verified from Synergy Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Synergy Credit Union offer?
Synergy Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Synergy Credit Union rates updated?
RateAPI verifies Synergy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Synergy Credit Union's rate data?
Rate data is collected directly from Synergy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Synergy Credit Union's mortgage rate?
As of August 4, 2026, Synergy Credit Union offers a 30-year fixed mortgage at 5.25% APR.
What are Synergy Credit Union's auto, boat, motorcycle & powersports loan rates?
As of August 4, 2026, Synergy Credit Union offers vehicle loans from 4.35% APR.
What is Synergy Credit Union's HELOC rate?
As of August 4, 2026, Synergy Credit Union offers home equity lines of credit from 5.25% APR.
What is Synergy Credit Union's personal loan rate?
As of August 4, 2026, Synergy Credit Union offers personal loans from 6.5% APR.
What is Synergy Credit Union's best CD rate?
As of August 4, 2026, Synergy Credit Union offers savings and certificate (CD) yields up to 5.75% APY.
Related Rate Data
Compare Synergy Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Synergy Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/synergy" \
-H "Authorization: Bearer YOUR_API_KEY"