Credit union · NCUA insured
Synergy Federal Credit Union Savings Rates
Top CarrotSynergy Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Share Savings Account. Rates checked October 16, 2026.
How Synergy Federal Credit Union’s savings 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
0.20%APY
- Minimum
- $5
- Earns on $10,000 a year
- $20
Share Savings Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Synergy Federal Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Savings Account
0.20%APY
Minimum $5 balance required. Can be opened for $5 to establish membership. Earns dividends monthly. No service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividend rate calculated on an average daily balance. Paid and compounded monthly. $5 minimum balance.$5 and up | 0.20% | $20 | Dividend rate calculated on an average daily balance. Paid and compounded monthly. $5 minimum balance. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Sprout Account
0.20%APY
Open to newborns through 9 years of age. Automatically becomes a Teen account at age 10.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Sprout Account 0-9 years old. Rate is 1.50% APY higher than regular Share Savings rate. Dividend rate calculated on an average daily balance, paid and compounded monthly. | 1.71% | — | Sprout Account 0-9 years old. Rate is 1.50% APY higher than regular Share Savings rate. Dividend rate calculated on an average daily balance, paid and compounded monthly. |
| $500 and upSprout Account 0-9 years old. Rate is the regular Share Savings rate. Dividend rate calculated on an average daily balance, paid and compounded monthly. | 0.20% | $20 | Sprout Account 0-9 years old. Rate is the regular Share Savings rate. Dividend rate calculated on an average daily balance, paid and compounded monthly. |
Sources (2)
All captured Oct 6, 2026
Teen Account
0.20%APY
For members 10-17 years old. Automatically becomes a regular Share Savings account at age 18.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Teen Account 10-17 years old. Rate is 1.50% APY higher than regular Share Savings rate. Dividend rate calculated on an average daily balance, paid and compounded monthly. | 1.71% | — | Teen Account 10-17 years old. Rate is 1.50% APY higher than regular Share Savings rate. Dividend rate calculated on an average daily balance, paid and compounded monthly. |
| $500 and upTeen Account 10-17 years old. Rate is the regular Share Savings rate. Dividend rate calculated on an average daily balance, paid and compounded monthly. | 0.20% | $20 | Teen Account 10-17 years old. Rate is the regular Share Savings rate. Dividend rate calculated on an average daily balance, paid and compounded monthly. |
Sources (2)
All captured Oct 6, 2026
Individual Retirement Accounts (Traditional & Roth IRAs)
1.36%APY
Offers both Traditional and Roth IRAs. Can be started with as little as $25. Insured up to $250,000 by NCUA and up to an additional $250,000 by Excess Share Insurance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Dividend rate calculated on an average daily balance. Paid and compounded monthly. | 1.36% | $136 | Dividend rate calculated on an average daily balance. Paid and compounded monthly. |
| $25,000 – $75,000Dividend rate calculated on an average daily balance. Paid and compounded monthly. | 1.51% | — | Dividend rate calculated on an average daily balance. Paid and compounded monthly. |
| $75,000 and upDividend rate calculated on an average daily balance. Paid and compounded monthly. | 1.66% | — | Dividend rate calculated on an average daily balance. Paid and compounded monthly. |
Sources (2)
All captured Oct 6, 2026
Special Savings Club Account
0.20%APY
Can open ten special savings accounts under the main savings account. Listed in rate schedule as Special Share Savings/Club Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate calculated on an average daily balance. Paid and compounded monthly.Any balance | 0.20% | $20 | Dividend rate calculated on an average daily balance. Paid and compounded monthly. |
Sources (2)
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.