Skip to main content

Share Savings

Synergy FCU membership starts with a Share Savings Account but does not have to stop there. Check out the variety of savings options available to Synergy FCU members. Complete the application to open your account today.

Open an Account

Share Savings Account

A Share Savings Account can be opened for only $5 and establishes your membership with Synergy FCU*. Opening your savings account gives you instant access to all the other products and services offered by Synergy FCU. Your account earns interest monthly and comes with a free debit card.

  • Minimum $5 balance required
  • No service charges
  • Savings accounts can act as Overdraft Protection for your checking account 

Kasasa Saver Account**

This rewards savings account connects with your free Kasasa Cash or Kasasa Cash Back Reward Checking Account and makes saving easy. When you qualify and earn rewards in your Kasasa checking account, your rewards automatically transfers to the Kasasa Saver, plus it pays a reward of 0.50% APY* on the first $10,000 and 0.25% APY on balances above $10,000. 

Special Savings Club Account

Are you thinking about saving up for something special? Our Special Savings Club Accounts* are the perfect thing to keep a nest egg separate from your everyday spending money. You can use this special account for various reasons such as:

  • College Tuition
  • Christmas
  • Vacation
  • Hunting
  • Golf
  • Wedding

The fun part is, you name it! Your Special Savings Account name will appear when you are viewing your accounts in Online Banking. Synergy FCU has an account for whatever you want to save for. You also earn interest year round while you save for that special something.

The Berenstain Bears® Financial Literacy Program Cub Account

We are excited about our exclusive partnership with the creators of The Berenstain Bears. Teaming up with the popular children’s characters will help us teach concepts of Save, Share, Spend, and Earn. Opening this Cub Account for your child delivers the added special gift of membership for life at Synergy FCU. Your child will have a financial partner to help navigate them through all stages of life. Synergy FCU believes teaching concepts of wise money management and saving at an early age yields financially responsible adults. It is our hope you join with us in helping your son or daughter lay the foundation for making smart financial decisions.

Cub Account Features

  • FREE Piggy Bank
  • FREE copy of The Berenstain Bears' Trouble with Money book
  • FREE bookmark
  • FREE Membership Card
  • Special Tier rates for extra savings
    • $5 - $499.00: rate will be 1.50% APY* higher than the regular Share Savings rate
    • $500.00 and up: rate will be the regular Share Savings rate 

Open Yours Today* 

The Berenstain Bears Financial Literacy Program Cub Account is open to newborns through 9 years of age. When your child turns 10 years old, the Cub account will automatically become a Teen account. The Teen account will have the same special tiered rates. When your child turns 18 years old, the account will automatically become a regular Share Savings account.

To open a Cub Account: complete the Membership Application and return it to your nearest branch.

Financial Literacy Program Teen Account

Financial education for children is important. It’s never too early to start teaching your kids about saving money and spending wisely. To help encourage Synergy FCU kids to save, we’ve created a special savings account called the Teen account. This account will have a special tiered rate for extra savings.

  • $5 - $499.00: rate will be 1.50% APY* higher than the regular Share Savings rate
  • $500.00 and up: rate will be the regular Share Savings rate 

Open Yours Today*

The Teen account is for member 10-17 years old. When your child turns 18 years old, the account will automatically become a regular Share Savings account.

To open a Teen Account: complete the Membership Application and return it to your nearest branch.

*All applications are subject to eligibility. Annual Percentage Yield (APY) effective 2/1/19.

**To earn rewards in the Kasasa Saver, at least 15 debit card purchases, each $5.00 or more, must post and settle to the attached reward checking account during the Monthly Qualification Cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle" means the current statement cycle.

When qualifications are met during a Monthly Qualification Cycle: average daily balances up to $10,000 earn 0.50% APY; and average daily balances over $10,000 earn 0.25% APY. 

When qualifications are not met during a Monthly Qualification Cycle: the entire average daily balance in the account earns 0.05% APY. 

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Account approval, conditions, and qualifications apply. No minimum deposit is required to open the account. Monthly E-Statement enrollment is a condition of these accounts. Limit of one Kasasa Saver account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Kasasa Saver is a trademark of Kasasa, Ltd., registered in the U.S.A.