Synergy

PO Box 691730, San Antonio, TX 78269

NCUA Insured3.7 (10 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1980

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Membership is typically limited to employees of specific companies or industries. Contact the credit union directly to confirm whether you qualify.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1980

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 691730

San Antonio, TX 78269

Google Maps 🗺Waze

(210) 750-8333

Service Area

This credit union is located in San Antonio and serves members in the TX area. Currently serving 12,259 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.90%

Used Auto Loan

4.90%

Personal Loan

9.90%

Credit Card APR

13.40%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

3.7

10 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Micah

2 years ago

I’ve been a loyal member of this credit union for over 3 years, Adam Garza, their Director of Collections/ Risk Management did not inform me that my monthly car loan payment was short only 0.16 cent which resulted a huge hit on my credit. Says there is nothing he can do but he could have let me know before it hit my credit. I don’t recommend their loans. The service is horrible.

John

6 months ago

Always friendly and fast

Alexis Williams

in the last week

I’m closing my account as soon as possible I been with very loyal for over 5 years I rather go where they help their clients like Navy Federal or Delta Community.

Maribel Hernandez

a month ago

Jackie Reusser was amazing and really nice to work with for my vehicle loan. I previously used synergy for another vehicle but it had been a few years ago. She helped me with this process from beginning to end. She was very helpful especially with this loan being a purchase out of state. She answered all my questions and reassured me if I had any concerns. I am glad to do business with synergy.