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Routing # 314092128

Loan Rates

Rates are applicable to U.S. operations only. All rates are shown as Annual Percentage Rate (APR). All applications are subject to eligibility. Mortgage effective dates listed with rates below. All other loan rates effective 10/01/2025.

New & Used Vehicles
Term - up to Rate as low as
60 months 4.50%
72 months 4.90%
84 months 5.90%

Rates above will be reduced by 0.10% APR if application is submitted online.

Used Vehicles - Financing available up to 100% of NADA Retail Value. The specific rate & term will be dependent on your credit rating, term, amount financed, & collateral.

New & Used Boats
Term - up to Rate as low as
72 months 6.00%
96 months 6.25%
120 months 6.50%
144 months 7.00%

Rates above will be reduced by 0.10% APR if application is submitted online.

Used Vehicles - Financing available up to 100% of NADA Retail Value. The specific rate & term will be dependent on your credit rating, amount financed, & collateral.

New & Used Trailers and Motor Homes
Term - up to Rate as low as
72 months 6.00%
96 months 6.25%
120 months 6.50%
144 months 7.00%

Rates above will be reduced by 0.10% APR if application is submitted online.

Financing available up to 100% of NADA Retail Value. The specific rate & term will be dependent on your credit rating, amount financed, & collateral.

New & Used Motorcycles/ Personal Watercrafts/ ATV
Term - up to Rate as low as
72 months 6.00%

Rates above will be reduced by 0.10% APR if application is submitted online.

Financing available up to 100% of NADA Retail Value. The specific rate & term will be dependent on your credit rating, amount financed, & collateral.

Lines of Credit
Account Type Term Rate as low as
Synergy Line of Credit Open 10.90%

The specific rate will be dependent on your credit rating and amount financed. Minimum loan amount is $500.00.

Signature Loans
Term - up to Rate as low as
12 months 7.90%
36 months* 9.90%
60 months** 10.90%

Rates above will be reduced by 0.10% APR if application is submitted online.
*Minimum loan amount $1,000
**Minimum loan amount $5,000

The specific rate & term will be dependent on your credit rating & amount financed.

 

MasterCard Credit Cards
Card Type Rates are Variable*
Platinum I 10.40%
Platinum II 13.40%
Platinum III 15.40%
Platinum Rewards 14.40%
Platinum Share Secured 8.40%

*Rate may vary monthly based on the Prime Rate in the Wall Street Journal. Additional credit card disclosures

Share Secured Loans
Loan Type Term Rate
Share Savings Secured Up to 60 months Savings Rate + 2%
Share Certificate Loan Term of certificate Certificate Rate + 2%
Other Collateral
Term Rate as low as
Up to 60 months 6.50%

Other Collateral rate above will be reduced by 0.10% APR if application is submitted online.

Percent of selling price or appropriate value guide. The specific rate & term will be dependent on your credit rating, amount financed, & collateral.

Home Equity Loans Fixed-Rate (Texas Only) 1st Lien
Term Rate as low as
up to 120 months 5.50%
up to 180 months 5.75%
up to 240 months 6.25%

Minimum loan amount $25,000

Home Equity Loans Fixed-Rate (Texas Only) 2nd Lien
Term Rate as low as
up to 120 months 6.25%
up to 180 months 6.50%
up to 240 months 7.00%

Minimum loan amount $25,000

Home Improvement Conventional Fixed-Rate (Texas Only)
Term Rate as low as
up to 120 months 6.00%
up to 180 months 6.50%
up to 240 months 7.00%

Minimum loan amount $25,000

Land Loans Non-Homestead Fixed-Rate (Texas Only)
Term Rate as low as
up to 120 months 6.50%
up to 180 months 7.00%

Minimum loan amount $25,000

Conventional & Adjustable Rate Mortgage Loans 
Lisa Calzada, Loan Officer NMLS #389734, is the SWBC representative that works with Synergy FCU members. She can be reached at lcalzada@swbc.com or 210-376-6292 for more information and current rates.