Synergy Credit Union Texas City TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Synergy, your trusted partner in financial wellness located at 1201 25Th Ave N, Texas City, TX 77590. Established in 1980, we have proudly served our community for over four decades, nurturing a family of 12,065 members and maintaining a robust total asset base of $304,740,780. With a commitment to helping you achieve your financial goals, we offer a wide range of services tailored just for you. At Synergy, we believe that banking should be both convenient and accessible. That's why we provide personal banking solutions including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Whether you're looking to consolidate debt or finance a new vehicle, our dedicated team is here to guide you every step of the way. We take pride in our leadership team, headed by CEO Sean Murphy and Board President Dan Stanush, who are deeply committed to ensuring our members receive the best service possible. Our experienced staff of 40 employees is ready to assist you during our operating hours from Monday to Friday, 8 AM to 4 PM. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 1201 Loop 197 S, Texas City, TX 77590. Join us today and experience the difference that community-focused banking can make! For more information about our services or to get started with your membership journey, visit us online at Synergy FCU or call us at 409-948-7274. Let's work together towards a brighter financial future!

Branch History & Mission

A Legacy of Growth

Since our establishment, Synergy has been dedicated to offering exceptional financial services tailored to meet the diverse needs of our community. With a total membership of 12,065 and assets reaching an impressive $304,740,780, we have demonstrated our commitment to helping our members achieve their financial goals. Our headquarters in San Antonio, TX, provides us with the expertise and resources needed to support our Texas City branch effectively.

Commitment to Innovation

In today's fast-paced world, we understand the importance of convenience. That's why we offer robust online and mobile banking services alongside traditional options like ATM access for cash withdrawals and balance checks. We are also proud of our ADA compliance efforts to ensure everyone can benefit from our services without barriers.

Community Partnerships

Synergy actively engages in partnerships that strengthen our community ties. By collaborating with local organizations and participating in outreach programs, we aim to make a positive impact on Texas City and beyond. Whether it's providing educational resources or sponsoring local events, we are here for you. As we look ahead, we invite you to join Synergy and experience the benefits of being part of a credit union that genuinely cares about your financial well-being. Together, let's build a brighter future! For more information or to become a member today, visit us at Synergy FCU or give us a call at 409-948-7274 during our lobby hours from Monday to Friday, 8 AM - 4 PM.

Our Mission

Our mission at Synergy is simple yet powerful: to empower individuals and families through accessible financial solutions while supporting community initiatives. We strive to provide personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Our focus on community outreach ensures that we not only serve but also uplift those around us. While members can visit us at 1201 25Th Ave N, official correspondence should be sent to 1201 Loop 197 S, Texas City, TX 77590. This allows us to maintain clear communication with all our valued members.

Branch Location & Accessibility

Connect With Us!

If you have any questions or would like more information about our services, feel free to give us a call at 409-948-7274. We invite you to visit us at Synergy in Texas City your trusted partner in financial wellness!

Easy Access and Convenient Features

Located near popular local landmarks, our branch is easy to find. Parking is ample and convenient, so you won't have to worry about where to leave your car during your visit. We are proud to offer ADA-compliant features that ensure everyone can access our services comfortably. While members can visit us at 1201 25Th Ave N, official correspondence should be sent to our mailing address at 1201 Loop 197 S, Texas City, TX 77590.

Services Tailored for You

Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or credit cards with rewards, we have you covered. Plus, our ATM services are available for quick cash withdrawals or balance checks whenever you need them.

Welcoming Hours for Your Convenience

At Synergy, we understand that life can be busy. That's why our lobby hours are designed with your schedule in mind. We're open Monday through Friday from 8 AM to 4 PM, providing plenty of opportunities for you to come in and chat with our friendly staff.

Member Eligibility

At Synergy, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is easy and welcoming! If you live, work, or worship in the Texas City area or have family members who are already part of our credit union, you're likely eligible to join us. Our goal is to create a space where you can find financial services tailored just for you, from checking accounts to loans and more. To learn about specific eligibility criteria, feel free to check out the details at http://www.synergyfcu.org/about-us/who-can-join. Ready to take the next step? Opening an account with Synergy is straightforward! You can begin your journey toward membership by visiting us at http://www.synergyfcu.org/loans/apply-for-a-loan. If you have any questions or need assistance along the way, don't hesitate to call us at (409) 948-7274. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans to Fuel Your 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 for Everyday Needs

Imagine being able to accept payments easily from your customers without hassle. Our merchant services empower local businesses like yours to handle transactions smoothly. From credit card processing to online payment options, we ensure that you can focus on what matters most growing your business. Come visit us at 1201 25Th Ave N Texas City Tx 77590 in Texas City, TX, or call us at (409) 948-7274 to learn how we can partner with you on your journey toward success!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our dedicated business banking services. From merchant services that simplify payment processing to tailored business loans, we're committed to helping your business thrive in today's competitive environment.

Credit Cards

When it comes to spending rewards, our credit cards with rewards program allows you to earn points on everyday purchases. Imagine earning cash back or travel rewards just by using your card for groceries or gas!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Synergy, we offer robust online and mobile banking features. Accessing your accounts anytime, anywhere has never been easier! With services like ATM access for withdrawals and balance checks, managing your money is simple and efficient. You can even make person-to-person payments directly from your mobile device.

Get Started Today!

Ready to experience all that we have to offer? We invite you to visit us at 1201 25Th Ave N Texas City Tx 77590 or give us a call at (409) 948-7274 during our lobby hours from Monday to Friday, 8 AM to 4 PM. Whether you're looking for personal banking solutions or business support, let us be part of your financial success story at Texas City! Explore more about our offerings at our website.

Personal Banking

Our personal banking services are designed with you in mind. You can easily open checking and savings accounts that fit your lifestyle, allowing you to manage your day-to-day expenses effortlessly. If you're considering buying a new car, our auto loans and vehicle financing options come with competitive rates and flexible terms to make driving away in your dream car a reality. For those thinking about homeownership, we offer mortgage loans and refinancing solutions that can help you secure the best possible deal on your new home or lower your current mortgage payment. Additionally, our personal loans and debt consolidation options provide the perfect solution for those unexpected expenses or consolidating debt into one manageable payment.

Digital & Online Banking

Accessible Online Banking

Our robust online banking platform allows you to access your accounts 24/7. Whether you're checking your balance, transferring funds, or reviewing your recent transactions, everything is just a login away at https://www.synergyfcu.org/. Plus, if you prefer paperless statements, you can easily opt for e-statements to keep your financial documents organized and secure.

Convenient Transfers and Payments

Need to send money to a friend or family member? Our person-to-person transfer service makes it simple. No more hassle with cash or checks; just a few taps on your device and the money is sent securely. In summary, Synergy offers an array of digital banking services that prioritize accessibility and security. From 24/7 online banking to convenient payment options, managing your finances has never been easier. Experience the freedom of banking whenever and wherever works for you!

Mobile Features for Your On-the-Go Life

For those who love to bank on the move, our mobile payments feature lets you make quick purchases directly from your smartphone. While we currently don't have a dedicated mobile application, our website is fully optimized for mobile use, allowing you to enjoy all the benefits of online banking right at your fingertips.

Secure Transactions Made Easy

Safety is our top priority. With electronic signature authorization available, signing important documents online is quick and secure. You can trust that your information is protected while enjoying the ease of managing your finances from the comfort of home.

Financial Strength

Growing Membership Base

We currently serve a strong member base with 22,656 total share accounts, showing that many trust us with their finances. Our net shares available for lending and investments stand at $6,213,416, which further enhances our ability to support you. 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 1201 25Th Ave N Texas City Tx 77590 or call (409) 948-7274 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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 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 ready to assist you with knowledgeable service.

Reinvesting in Your Future

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, supporting your financial goals across various sectors.

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

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. Whether you're looking for a brand-new model or a reliable used vehicle, our flexible financing options can make it happen.

Credit Lines and Unsecured Loans

For those seeking additional financial flexibility, we offer competitive credit lines totaling $29,257,328. This can be an excellent option for managing expenses or funding unexpected costs. Additionally, our unsecured credit card loans total $3,766,144, providing members with versatile spending power while maintaining control over their finances.

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 provide personalized service to guide you through the process, ensuring you find a solution that fits your budget.

Refinancing Options

If you're considering refinancing your current loans or looking into eligibility options, our team is here to help. We can discuss how refinancing might save you money or improve your cash flow based on your specific situation. At Synergy, we prioritize transparent communication and service tailored to your needs. Our experienced team is ready to assist you with any questions you may have about our loan offerings. Feel free to reach out at (409) 948-7274 or visit us at 1201 25Th Ave N Texas City Tx 77590 in Texas City, TX. For more information about joining our community and taking advantage of these great services, visit Synergy's website or check out our eligibility requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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Synergy