Credit union · NCUA insured
Synergy Federal Credit Union CD Rates
Top CarrotSynergy Federal Credit Union’s best CD rate is 4.13% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Synergy Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Synergy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Synergy Federal Credit Union
3.97%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $98
Share Certificates
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Synergy Federal Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.97%
- 9–15 months9–15 mo3.97%
- 16–30 months16–30 mo3.97%
- 31–60 months31–60 mo3.97%
- QualifiedQualified3.97%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Synergy Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.97%APY · 7 terms
Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
| Term | APY · $1,000 and up | APY · $50,001 and up | APY · $100,001 and up | APY · $250,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 3.97% | 4.02% | 4.07% | 4.13% | 3.97%4.02% from $50k4.07% from $100k4.13% from $250k | $98 |
| 6 months | 3.97% | 4.02% | 4.07% | 4.13% | 3.97%4.02% from $50k4.07% from $100k4.13% from $250k | $197 |
| 12 months | 3.97% | 4.02% | 4.07% | 4.13% | 3.97%4.02% from $50k4.07% from $100k4.13% from $250k | $397 |
| 24 months | 3.97% | 4.02% | 4.07% | 4.13% | 3.97%4.02% from $50k4.07% from $100k4.13% from $250k | $810 |
| 36 months | 3.97% | 4.02% | 4.07% | 4.13% | 3.97%4.02% from $50k4.07% from $100k4.13% from $250k | $1,239 |
| 48 months | 3.76% | 3.82% | 3.87% | 3.92% | 3.76%3.82% from $50k3.87% from $100k3.92% from $250k | $1,591 |
| 60 months | 3.76% | 3.82% | 3.87% | 3.92% | 3.76%3.82% from $50k3.87% from $100k3.92% from $250k | $2,027 |
Sources (3)
- synergyfcu.org/Documents/Discl…Certificate-Accounts.pdf
- synergyfcu.org/Accounts/Share-Certificates
- synergyfcu.org/Rates/Share-Rates
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 4.07%APY · 7 terms
Rates vary based on Certificate amount. Terms are from 3 months to 5 years. Available for Traditional and Roth IRAs. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
| Term | APY · $1,000 and up | APY · $50,001 and up | APY · $100,001 and up | APY · $250,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 4.07% | 4.13% | 4.18% | 4.23% | 4.07%4.13% from $50k4.18% from $100k4.23% from $250k | $100 |
| 6 months | 4.07% | 4.13% | 4.18% | 4.23% | 4.07%4.13% from $50k4.18% from $100k4.23% from $250k | $201 |
| 12 months | 4.07% | 4.13% | 4.18% | 4.23% | 4.07%4.13% from $50k4.18% from $100k4.23% from $250k | $407 |
| 24 months | 4.07% | 4.13% | 4.18% | 4.23% | 4.07%4.13% from $50k4.18% from $100k4.23% from $250k | $831 |
| 36 months | 4.07% | 4.13% | 4.18% | 4.23% | 4.07%4.13% from $50k4.18% from $100k4.23% from $250k | $1,271 |
| 48 months | 3.87% | 3.92% | 3.97% | 4.02% | 3.87%3.92% from $50k3.97% from $100k4.02% from $250k | $1,640 |
| 60 months | 3.87% | 3.92% | 3.97% | 4.02% | 3.87%3.92% from $50k3.97% from $100k4.02% from $250k | $2,091 |
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.