Credit union · NCUA insured
Synergy Federal Credit Union Auto Loan Rates
Top CarrotSynergy Federal Credit Union auto loans start at 4.35% APR for a new vehicle and 4.35% for a used one. Rates checked October 6, 2026.
How Synergy Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Synergy Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Synergy Federal Credit Union
4.35%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New & Used Vehicle Loans
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Synergy Federal Credit Union auto loan score
91
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.35%
- Used vehicleUsed4.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Synergy Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycles
New & Used Motorcycles/ Personal Watercrafts/ ATV. Financing available up to 100% of NADA Retail Value. The specific rate & term will be dependent on your credit rating, amount financed, & collateral. Rate reduced by 0.10% APR if application is submitted online.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.00% | Rate as low as 6.00% APR for terms up to 72 months; reduced by 0.10% APR if application is submitted online. |
Sources (2)
All captured Oct 6, 2026
New & Used Vehicle Loans
Same low rate for new or used vehicles. Financing available up to 100% of NADA Retail Value for used vehicles. Specific rate and term depend on credit rating, term, amount financed, and collateral. Terms between 36 to 84 months. No early payoff penalties. No Synergy FCU refinancing available. Rate reduced by 0.10% APR if application is submitted online. Vehicle Loyalty Reward offers 0.25% APR off rate when trading in a vehicle currently financed with Synergy FCU and financing the new vehicle with Synergy FCU at purchase (auto refinances from other financial institutions and dealerships not eligible).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.35% | Rate as low as 4.35% APR for terms up to 60 months; reduced by 0.10% APR if application is submitted online. |
| up to 72 months | 4.75% | Rate as low as 4.75% APR for terms up to 72 months; reduced by 0.10% APR if application is submitted online. |
| up to 84 months | 5.75% | Rate as low as 5.75% APR for terms up to 84 months; reduced by 0.10% APR if application is submitted online. |
Sources (3)
All captured Oct 6, 2026
Who can join Synergy Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.