Credit union · NCUA insured
Synergy Federal Credit Union Credit Card Rates
Top CarrotSynergy Federal Credit Union credit cards start at 10.40% APR on purchases, after any introductory rate. Rates checked October 6, 2026.
How Synergy Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Synergy Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Synergy Federal Credit Union
10.40%APR
- Annual fee
- None
MasterCard Platinum
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
Synergy Federal Credit Union credit card score
81
Credit card score
Higher than 55% of U.S. banks and credit unions
- Purchase APRPurchase APR10.40%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MasterCard Platinum
Standard card with EMV chip. Rate and credit limit depend on credit qualifications. No annual fee. Rates are variable based on the Wall Street Journal Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.40% | None | Platinum I tier. Variable APR based on Prime Rate. |
| Ongoing | 13.40% | None | Platinum II tier. Variable APR based on Prime Rate. |
| Ongoing | 15.40% | None | Platinum III tier. Variable APR based on Prime Rate. |
Sources (3)
- synergyfcu.org/Cards/Credit-Cards
- synergyfcu.org/Documents/Discl…atinum-Share-Secured.pdf
- synergyfcu.org/Rates/Loan-Rates
All captured Oct 6, 2026
MasterCard Platinum Rewards
Rewards card offering points through UChooseRewards. No annual fee. Rates are variable based on the Wall Street Journal Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40% | None | Variable APR based on Prime Rate. |
Sources (3)
- synergyfcu.org/Cards/Credit-Cards
- synergyfcu.org/Documents/Discl…atinum-Share-Secured.pdf
- synergyfcu.org/Rates/Loan-Rates
All captured Oct 6, 2026
MasterCard Platinum Secured
Requires a specific pledge of shares equal to the credit limit. Rate is variable based on US Prime Rate plus a 1.40% margin.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.40% | None | Variable APR based on US Prime Index plus 1.40% margin. Daily periodic rate 0.02301%. Requires share pledge equal to credit limit. |
Sources (3)
- synergyfcu.org
- synergyfcu.org/Documents/Discl…atinum-Share-Secured.pdf
- synergyfcu.org/Rates/Loan-Rates
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.