Synergy Credit Union Houston TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Synergy, your trusted credit union located at 9701 Manchester St, Houston, TX 77012. Since our establishment in 1980, we have been dedicated to serving the financial needs of our community with a personal touch. With over 12,000 members, we pride ourselves on being more than just a financial institution; we're a part of your neighborhood. At Synergy, we understand that every dollar counts. That's why we manage total assets of $304,740,780 and hold a strong net worth of $47,294,197 to ensure we can offer you competitive rates on loans and savings. We are here to help you with everything from personal banking services like checking and savings accounts to auto loans and mortgages. Our commitment goes beyond numbers; it's about building relationships. Our team, led by CEO Sean Murphy and Board President Dan Stanush, is dedicated to making sure that every member feels valued. With around 40 employees, we're here to provide personalized service that meets your unique needs. While members can visit us at our branch location, official correspondence should be sent to the same address: 9701 Manchester St, Houston, TX 77012. If you have questions or need assistance, don't hesitate to call us at 713-923-3395. We invite you to explore how Synergy can support your financial journey. Visit our website at Synergy FCU for more information or stop by our branch during lobby hours from 8 AM to 4 PM, Monday through Friday. Your financial well-being is our priority!

Branch History & Mission

Community Commitment

Our dedication goes beyond financial transactions. We regularly partner with local organizations to support various causes and initiatives. Whether it's hosting financial literacy workshops or participating in community events, Synergy is committed to giving back and strengthening the fabric of Houston. While you can visit us at our branch address for all your banking needs during our operating hours from Monday through Friday, 8 AM to 4 PM, official correspondence should be directed to our mailing address at 9701 Manchester, Houston, TX 77012 if it differs from your visits. With convenient ATM availability and no drive-thru service currently offered at this location, we encourage you to reach out via phone at 713-923-3395 for any inquiries or assistance you may need. Join us today at Synergy and experience firsthand the benefits of being part of a credit union that truly cares about its members and the community. Together, let's build a brighter financial future!

Our Mission

At Synergy, our mission is clear: to empower our members through exceptional financial services while actively supporting our community. We believe that when our members thrive, so does the community around us. That's why we focus not only on providing personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards but also on engaging in outreach initiatives that make a real difference in people's lives. We aim to create an inclusive environment where everyone can access essential banking services. Whether it's through ADA-compliant facilities or mobile banking options that enable easy access from anywhere, we are committed to ensuring that all members can participate fully in their financial journey.

Branch Location & Accessibility

Welcome to Synergy, your trusted credit union located at 9701 Manchester St in Houston, TX. Our branch is conveniently situated in the vibrant Harris County, making it easy for members and potential customers to access a range of financial services. Whether you're coming from nearby landmarks like the scenic Brays Bayou Park or bustling local shops, you'll find our location welcoming and accessible. While you can visit us at this address for all your banking needs, please note that any official correspondence should be sent to the same mailing address: 9701 Manchester, Houston, TX 77012. At Synergy, we strive to create a friendly environment. Our branch is ADA compliant, ensuring that everyone can access our services with ease. Ample parking is available for our members, so you won't have to worry about finding a spot during your visit. Although we do not have a drive-thru option, our lobby hours are designed to accommodate your busy schedule. We're open Monday through Friday from 8 AM to 4 PM, giving you plenty of time to stop by. Our services include everything from checking and savings accounts to auto loans and credit cards with rewards. Plus, with an ATM on-site, cash withdrawals and balance checks are just a few steps away. If you have any questions or need assistance, feel free to give us a call at 713-923-3395. We invite you to come by Synergy today! Our friendly staff is ready to assist you with all your financial needs.

Member Eligibility

At Synergy, we believe that becoming a member is like joining a supportive family where your financial needs are truly understood. If you live, work, or attend school in the Houston area, you're already on the right path to membership! We're here for everyone in our community, and we welcome individuals and their families who meet our eligibility criteria. You can find all the specific details about who can join by visiting our website at http://www.synergyfcu.org/about-us/who-can-join. Joining us is simple and rewarding. Once you confirm your eligibility, opening an account is just a few clicks away! Whether you're looking to start saving or need assistance with loans, our friendly team at Synergy is ready to help you every step of the way. Plus, as a member, you'll gain access to exclusive benefits tailored just for you. If you have any questions or want to get started today, don't hesitate to give us a call at (713) 923-3395. We can't wait to welcome you to our community at 9701 Manchester St Houston Tx 77012!

Business Banking & Commercial Services

Lending Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services designed to streamline your operations. Imagine processing payments quickly and securely while managing your finances all in one place. Our solutions are built with the everyday business owner in mind making transactions easier so you can focus on what you do best: running your business. Visit us at 9701 Manchester St Houston Tx 77012 in Houston, TX, or call us at (713) 923-3395 to learn more about how our business banking and commercial services can empower your growth!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Are you dreaming of hitting the open road in a new vehicle? Our Auto Loans & Vehicle Financing options make it easier than ever to secure the car you want. We provide competitive rates and flexible terms that fit your budget. Picture yourself driving off in your dream car without breaking the bank!

Business Banking Services

For our business-minded members, we offer specialized Business Banking solutions including merchant services and business loans. We know how important it is to keep your business running smoothly, and our expert team is ready to support you with tailored financial products.

Convenient ATM Access

Need cash in a hurry? Enjoy easy access with our ATM & Cash Withdrawal Services. With basic ATM access for withdrawals and balance checks available, managing your funds has never been easier. In addition to these services, our branch also offers personalized assistance from friendly staff who can answer any questions you may have. If you're interested in learning more about what we offer or how we can assist you further, don't hesitate to reach out! 📞 Call us at (713) 923-3395 or visit our website at Houston for more information. Come by today we're excited to help you achieve your financial dreams!

Credit Cards with Rewards

Our Credit Cards with Rewards program gives you more than just spending power; it rewards you for every dollar spent! Imagine earning points on everyday purchases that can be redeemed for travel, merchandise, or cash back it's like getting paid to shop!

Mortgage Loans & Refinancing

Owning a home is an essential part of many people's lives. At Synergy, we offer reliable Mortgage Loans & Refinancing solutions. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we're here to guide you through the process every step of the way.

Personal Banking Solutions

We understand that everyone has different financial goals. That's why we offer various Personal Banking options, including checking and savings accounts designed for convenience and accessibility. With our Online & Mobile Banking services, you can easily manage your accounts from anywhere. Imagine paying bills or transferring money with just a few taps on your smartphone!

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation services can help ease financial stress. We work with you to find the best solution that fits your situation, allowing you to focus on what matters most.

Digital & Online Banking

Key Services

With our user-friendly online banking services available at https://www.synergyfcu.org/, you can check balances, transfer funds, and pay bills all from the comfort of your device. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you're looking for a paperless option, you can easily sign up for e-statements and enjoy the benefits of electronic signature authorization.

Mobile Features

For those who prefer to bank on-the-go, we offer mobile payments that let you make purchases directly from your smartphone. While we currently do not have a dedicated mobile application, accessing our services through the web browser on your mobile device remains smooth and efficient. In summary, at Synergy, we're committed to providing digital banking solutions that empower you to take control of your financial life anytime, anywhere. Join us today and experience the convenience of modern banking!

Security and Accessibility

Security is our top priority. You can rest assured that all your transactions are protected with advanced encryption technology. Our online banking platform is designed not only for security but also for ease of use. Whether you are using a computer or mobile device, managing your accounts is straightforward and intuitive.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 22,656, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $6,213,416. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Synergy is your trusted partner. Visit us at 9701 Manchester St Houston Tx 77012 or call (713) 923-3395 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $96,319,164 in share certificates and $25,786,810 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 40 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $47,056,525 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $2,505 in used auto loans and $252,113,330 in total loans and leases.

Strong Financial Health

With a net worth of $47,294,197, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,552 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

At Synergy, we understand that everyone has unique financial needs. That's why we offer a variety of loan products designed to help you reach your goals, whether it's buying a car, purchasing a home, or managing your everyday expenses. Located at 9701 Manchester St, Houston, TX 77012, our branch is here to support you with personalized service and competitive rates. With over 9303 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $53,633,838 in used vehicle loans and $52,675,922 in new vehicle loans already helping members get on the road. We make it easy for you to finance your next vehicle with flexible terms tailored to fit your budget. Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $16,060,600, giving you the opportunity to secure a place you'll love. For those looking to manage their finances effectively, we also provide flexible terms on unsecured credit card loans. With a total of $3,766,144 in unsecured credit card loans available, our members can find an option that fits their spending habits while keeping payments manageable. If you're interested in refinancing any existing loans or exploring eligibility options for our various offerings, feel free to give us a call at 713-923-3395. Our team is ready to assist you from Monday through Friday between 8 AM and 4 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Discover how Synergy can help you thrive financially visit us today!

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Synergy