Synergy Credit Union San Antonio TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Synergy, your trusted financial partner located at 19100 Ridgewood Pkwy, San Antonio, TX 78259. Since our establishment in 1980, we have been dedicated to serving our community with a personal touch and a commitment to excellence. With over 12,000 members, we are proud to offer a variety of financial services tailored to meet your needs. At Synergy, we believe that every member deserves the best. That's why we manage assets totaling over $304 million and maintain a strong financial foundation with a net worth of $47 million. Our focus on member satisfaction is evident as we provide access to various loans, including over 9,300 loans and leases, totaling more than $252 million. Whether you're looking for auto loans, mortgages, or personal loans, our experienced team is here to guide you every step of the way. Our leadership reflects our commitment to our members. Under the guidance of CEO Sean Murphy and Board President Dan Stanush, we work tirelessly to ensure that you receive the best possible service. We invite you to visit us or contact us at 210-626-4792 for any inquiries or assistance you may need. While members can visit us at our branch location, official correspondence should be sent to the same address: 19100 Ridgewood Pkwy, San Antonio, TX 78259. Join us today at Synergy and experience banking designed with your needs in mind! To learn more about our offerings or to open an account, please visit our website at synergyfcu.org. We look forward to serving you!

Branch History & Mission

At Synergy, we take pride in our rich history and unwavering commitment to the community. Founded in 1980, our Ridgewood Parkway Branch has been a cornerstone of financial support for the residents of San Antonio, TX. With over 12,000 members and total assets reaching an impressive $304,740,780, we have consistently demonstrated our dedication to providing accessible financial services tailored to meet the diverse needs of our community. Located at 19100 Ridgewood Pkwy, San Antonio, TX 78259, our branch is easy to find and conveniently situated near local landmarks that make it a familiar stop for many. Our mission is simple yet profound: to empower our members with the tools they need to achieve their financial goals while fostering a sense of community and belonging. We believe that when our members thrive, so does the community. Since opening our doors, we've embraced growth and innovation. Over the years, we've expanded our offerings from traditional banking services to include personal loans, mortgages, vehicle financing, and more. Our digital banking solutions ensure that members can manage their accounts with ease through online platforms and mobile apps. We're proud to offer features like e-statements and mobile payments while maintaining ADA compliance for all our facilities. While members can visit us at 19100 Ridgewood Pkwy for all their banking needs, official correspondence should be sent to the same address as our mailing address: 19100 Ridgewood Pkwy, San Antonio, TX 78259. Our vision extends beyond just banking; we actively engage with our community through partnerships and outreach programs designed to uplift those around us. Whether it's hosting financial literacy workshops or supporting local initiatives, we are committed to making a positive impact. As we look ahead to the future, we invite you to join us on this journey. At Synergy, we are more than just a credit union; we are a family dedicated to your success. If you're ready to experience the benefits of membership and take control of your financial future, reach out today at 210-626-4792 or visit us online at synergyfcu.org. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Convenient Access for All

At Synergy, we believe that accessibility is key. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. Parking is plentiful and conveniently located right outside our doors, so you won't have to worry about finding a spot when you stop by.

Essential Services Right at Your Fingertips

Our branch offers a wide range of services tailored to meet your financial needs. Whether you're looking for checking and savings accounts, credit cards with rewards, or business banking solutions like merchant services, we've got you covered. Additionally, our ATM is available for cash withdrawals and balance inquiries whenever you need it. While members can visit us at our physical location for all their banking needs, please note that official correspondence should be sent to the same address: 19100 Ridgewood Pkwy, San Antonio, TX 78259.

Friendly Operating Hours

We understand that life can get busy! That's why our doors are open Monday through Thursday from 8:30 AM to 4:00 PM and on Friday from 8:30 AM to 3:00 PM. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our friendly staff is ready to help during these hours.

Reach Out Anytime!

Have questions? Feel free to give us a call at 210-626-4792. We're always happy to assist! Come visit us today and discover how Synergy can help you achieve your financial goals with ease.

Member Eligibility

Becoming a member of Synergy is like joining a welcoming family where your financial well-being is the top priority. Located at 19100 Ridgewood Pkwy San Antonio Tx 78259, we invite you to explore membership that's designed for individuals who share our values and community spirit. To be eligible, you typically need to live, work, worship, or attend school in the area we serve, or have a family member who is already a member. It's all about fostering connections and supporting one another. For detailed eligibility criteria, feel free to check out more information at http://www.synergyfcu.org/about-us/who-can-join. Once you're ready to take the next step, opening an account is simple and straightforward! You can start the process by visiting us online at http://www.synergyfcu.org/loans/apply-for-a-loan, or if you have any questions, don't hesitate to give us a call at (210) 626-4792. Joining Synergy means gaining access to personalized services and benefits tailored just for you. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify your payment processes. Picture this: you run a busy café and want to accept payments quickly and securely. Our merchant services allow you to process transactions seamlessly, so you can focus on what you do best delivering great food and service. Visit us at 19100 Ridgewood Pkwy San Antonio Tx 78259 in San Antonio, TX or call us at (210) 626-4792 to learn more about how we can help your business thrive!

Tailored Loan Options

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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a hurry? Our ATM services allow for quick withdrawals and balance checks whenever you need them. We strive to keep our members' access to funds simple and straightforward. At Synergy, we believe in empowering our members through comprehensive financial solutions designed for convenience and peace of mind. To explore all these services further or if you have any questions, feel free to reach out at (210) 626-4792 or visit us at Ridgewood Parkway Branch today! Your financial well-being is our priority!

Auto Loans & Vehicle Financing

When it comes to purchasing a new vehicle, our auto loans and vehicle financing options are designed to make the process smooth. Picture driving off in your dream car with an affordable loan that fits your budget perfectly. Our competitive rates mean you can save money while enjoying the freedom of the open road.

Business Banking

For those running a business, our business banking services include merchant services and business loans tailored for small enterprises. We understand how vital it is for businesses to thrive, so we provide personalized solutions to help you achieve growth and success.

Credit Cards with Rewards

Take advantage of our credit cards with rewards that offer points for everyday purchases. Whether it's travel, dining, or shopping, you can earn rewards while spending wisely. This means every dollar spent brings you closer to exciting perks!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans cater to first-time homebuyers and seasoned homeowners alike. We offer various refinancing options that can help lower your monthly payments or take cash out for renovations. With expert guidance from our team, you'll feel confident making one of the biggest decisions of your life.

Online & Mobile Banking

With online and mobile banking, accessing your accounts has never been easier. You can transfer funds, pay bills, and check balances from the comfort of your home or while on the go. Our digital features ensure that you stay connected with your finances effortlessly.

Personal Banking

Our personal banking services include checking and savings accounts that help you manage your money effectively. Imagine having a checking account that not only keeps your funds secure but also offers convenient online and mobile banking options. You can access your accounts anytime and anywhere, ensuring that managing your finances is as easy as tapping on your phone.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the financial relief you need. Imagine having one manageable payment instead of juggling multiple debts our team is here to assist you in finding the best solution for your situation.

Digital & Online Banking

Key Services

With 24/7 online banking available at https://www.synergyfcu.org/, you can check your account balances, transfer funds, and pay bills anytime, anywhere. Whether you're at home or on the go, you'll have real-time access to your accounts right at your fingertips. Plus, with our electronic signature authorization, signing documents has never been simpler or more secure. We also provide e-statements, allowing you to view your statements digitally rather than waiting for them to arrive in the mail. This not only saves paper but also helps keep your financial information organized and easily accessible. If you're looking for a quick way to send money to friends or family, our person-to-person transfer feature makes it easy! Just a few taps on your phone or computer will get the job done without any hassle.

Mobile Features

For those who prefer banking on the move, we support mobile payments so you can make purchases directly from your phone. Although we currently don't have a dedicated mobile application, our website is fully optimized for mobile use, ensuring that you can manage your accounts with ease wherever you are. In short, Synergy is committed to providing you with secure and convenient digital banking solutions that fit into your busy lifestyle. Take control of your finances today by exploring our online services at https://www.synergyfcu.org/!

Financial Strength

At Synergy, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our solid financial foundation, built to support you and your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 commitment to lending is evident with $2,505 in used auto loans and $252,113,330 in total loans and leases; this supports members' financial goals across various sectors. Our operational efficiency is reflected in our $0, 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. Net Shares (Funds available for lending and investments): $6,213,416. Total Share Accounts: 22,656, showing a strong and growing member base that trusts us with their finances. 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 19100 Ridgewood Pkwy San Antonio Tx 78259 or call (210) 626-4792 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

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 provide flexible terms and competitive rates to suit your budget, making it easier than ever to drive away in the vehicle you want.

Credit Lines

For those who need quick access to cash for unexpected expenses or projects, our total credit lines of $29,257,328 give you the freedom to borrow as needed while only paying interest on what you use. This flexibility allows you to handle life's surprises without stress. If you're considering refinancing any existing loans or want more information about eligibility options for our loan products, please don't hesitate to reach out. Our team at Synergy is dedicated to providing personalized service tailored to your needs. You can contact us at (210) 626-4792 or visit us at 19100 Ridgewood Pkwy San Antonio Tx 78259, located in beautiful San Antonio, TX. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Join us today and let's work together towards your financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,060,600, make buying or refinancing simple. We are here to guide you through each step of the process so that you can secure a place to call your own.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $3,766,144 in loans helping members manage their finances effectively. These cards provide an excellent way to build credit while enjoying rewards and cash-back opportunities.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh sources its loan data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This adherence to established standards ensures that users receive fair and transparent offers. Each loan listing is verified to provide you with reliable options tailored to your needs.

Synergy