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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 04/01/18.

New & Used Autos, Trucks, & Vans

Term Rate as low as
60 months
2.35%
72 months*
2.65%
84 months**
4.65%

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 Rates 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%

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: Up to
Rate as low as
72 months
5.00%
96 months
5.50%
120 months
6.00%
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: Up to
Rate as low as
60 months*
4.00%

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.
*Minimum loan amount of $12,500 for 60 months.
  


Lines of Credit

Term: Open Rate as low as
Synergy Line of Credit
8.90%
 

$500 minimum



Signature Loans

Term: Up to Rate as low as
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: Up to
Rate as low as
12 months
3.90%
The specific rate will be dependent on your credit rating. Loan minimum is $1,000.

Credit Cards - MasterCard

Term: Open
Rates are Variable*
Platinum I
8.15% 

Platinum II

11.15%

Platinum III

13.15%

Platinum Rewards

12.15%
Platinum Share Secured
6.15%
*Rate may vary monthly based on the Prime Rate in the Wall Street Journal. Additional credit card disclosures

Share Secured Loans

Term Rate
Share Savings Secured, up to 60 months
Savings Rate + 2%
Share Certificate Loan, term of Certificate
Certificate Rate + 2%

Other Collateral

Term: Up to
Rate as low as
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
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
5-7 years
4.50%
8-10 years
5.00%
11-15 years
5.50%
Minimum loan amount is $10,000

Land Loans Non-Homestead Fixed-Rate
(Texas Only)


Term Rate
5-7 years
4.75%
8-10 years
5.25%
11-15 years
5.75%
Minimum loan amount is $10,000

Conventional Mortgage Loans

Term: Fixed Rate Origination APR Payment Amount (P&I)
30 year
4.625%  1.00% 4.803% $617 
20 year
4.500% 1.00% 4.743% $759 
15 year
4.000% 1.00% 4.305% $888 
Term: Fixed
Rate Origination APR Payment Amount (P&I)
30 year
4.875% 0 4.967% $635 
20 year
4.750% 0 4.875% $775 
15 year
4.375% 0 4.531% $910 

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 5/14/18 and are available for properties located in Texas. Membership eligibility required. Payment examples based on a $120,000 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

Luis Bazaldua, Loan Officer NMLS #1078043, is the SWBC representative that works with Synergy FCU members. He can be reached at jbazaldua@swbc.com or 210-540-3267 for more information and current rates.