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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 9/01/19.

New & Used Vehicles
Term Rate as low as
60 months 2.95%
72 months* 3.25%
84 months** 5.25%

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.

*Minimum loan amount of $25,000

**Minimum loan amount of $40,000

New & Used Boats
Term Rate as low as
Up to 72 months 3.90%
Up to 96 months* 4.40%
Up to 120 months 4.90%
Up to 144 months 5.40%

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.

*Minimum loan amount of $25,000

New & Used Trailers and Motor Homes
Term Rate as low as
Up to 72 months 5.00%
Up to 96 months 5.50%
Up to 120 months 6.00%
Up to 144 months 6.50%

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 Rate as low as
Up to 72 months* 4.75%

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.

*Minimum loan amount of $25,000 for 72 months.

Lines of Credit
Account Type Term Rate as low as
Synergy Line of Credit Open 8.90%

$500 minimum

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

Signature Loans
Term Rate as low as
Up to 60 months* 7.90%

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

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

Promotional Signature Loans
Term Rate as low as
Up to 12 months* 4.90%

*Loan minimum is $1,000.

The specific rate will be dependent on your credit rating. 

MasterCard Credit Cards
Card Type Rates are Variable*
Platinum I 8.65%
Platinum II 11.65%
Platinum III 13.65%
Platinum Rewards 12.65%
Platinum Share Secured 6.65%

*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 6.00%

Rates 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 (Texas Only)
Term Rate as low as
5-7 years 4.00%
8-10 years 4.35%
11-15 years 4.75%

Minimum loan amount $10,000

Home Improvement Conventional Fixed-Rate (Texas Only)
Term Rate as low as
5-7 years 4.50%
8-10 years 5.00%
11-15 years 5.50%

Minimum loan amount $10,000

Land Loans Non-Homestead Fixed-Rate (Texas Only)
Term Rate as low as
5-7 years 4.75%
8-10 years 5.25%
11-15 years 5.75%

Minimum loan amount $10,000

Conventional Mortgage Loans (1.00% Origination)
Term (Fixed) Rate APR Payment Amount (P&I)
30 year 3.500% 3.656% $898
20 year 3.375% 3.592% $1,147
15 year 3.000% 3.277% $1,381
Conventional Mortgage Loans (0% Origination)
Term (Fixed) Rate APR Payment Amount (P&I)
30 year 3.875% 3.951% $940
20 year 3.625% 3.729% $1,173
15 year 3.250% 3.382% $1,405

These rates are all based on a 45 day lock and are subject to change at any time without notice.

Disclosures: Loans are subject to credit and property approval. Certain restrictions and conditions apply. Programs and guidelines subject to change without notice. All rates are subject to change daily, without notice. Rates listed are valid as of 9/09/19 and are available for properties located in Texas. Membership eligibility required. Payment examples based on a $200,000 Loan Amount with an 80% LTV and 740 FICO score required. Estimated payment does not include taxes and insurance premiums, actual payment may be greater. Call for all FHA/VA Rates

Lori Stephens, Loan Officer NMLS #811025, is the SWBC representative that works with Synergy FCU members. She can be reached at lstephens@swbc.com or 214-319-3085 for more information and current rates.

Rates shown as Annual Percentage Rate

Adjustable Rate Mortgage Loans
  5/5 ARM 3/3 ARM
Initial Rate Offer 3.250% 3.000%
Loan Terms 360 Months 360 Months
Initial Fixed Period 60 Months 36 Months
Subsequent Adjustment Period 60 Months 36 Months
Initial Adjustment Cap 2.250% 2.000%
Periodic Adjustment Cap 2.250% 2.000%
Maximum Interest Rate Initial Rate + 5.00% Initial Rate + 5.00%
Index Weekly Five Year Constant Maturity Treasury (CMT) Weekly Three Year Constant Maturity Treasury (CMT)
Current Index Value 1.40% 1.44%
Margin 2.250% 2.000%
Floor 2.250% 2.000%

Rates listed are valid as of 9/09/19 and are available for properties located in Texas. Membership eligibility required.

The 5/5 Adjustable Rate Mortgage (ARM) begins with a low, fixed initial rate, for the first 5 years (60 months), and then can adjust upward or downward, every 60 months thereafter, starting with month 61. The rate can change at each adjustment period by no more than 2.25 percentage points up or down, never to exceed 5 percentage points above the initial rate. The 3/3 Adjustable Rate Mortgage (ARM) begins with a low, fixed initial rate, for the first 3 years (36 months), and then can adjust upward or downward, every 36 months thereafter, starting with month 37. The rate can change at each adjustment period by no more than 2.00 percentage points up or down, never to exceed 5 percentage points above the initial rate. Annual percentage rate, margin, and index value rates are subject to change without prior notice.

Descriptions

  • Loan Terms: Maximum period for loan repayment.
  • Initial Fixed Period: Period which the initial rate is set. Subject to Subsequent Adjustment Period.
  • Subsequent Adjustment Period: Frequency in months that rate may reset.
  • Initial Adjustment Cap: The maximum amount the rate may increase or decrease after the initial fixed period.
  • Periodic Adjustment Cap: The maximum amount the rate may increase or decrease after the Subsequent Adjustment Period.
  • Maximum Interest Rate: The maximum interest rate you may be required to pay.
  • Index: A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities, London Interbank Offering Rate (LIBOR), and the Cost of Funds Index (COFI).
  • Current Index Value: Subject to change, without notice.
  • Margin: The amount added to the index to determine the rate adjustment (subject to any adjustment caps or floors).
  • Floor: The minimum interest rate that will be charged.