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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 07/01/18.

New & Used Autos, Trucks, & Vans

Term Rate as low as
60 months
2.50%
72 months*
2.80%
84 months**
4.80%

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
8.40% 

Platinum II

11.40%

Platinum III

13.40%

Platinum Rewards

12.40%
Platinum Share Secured
6.40%
*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
4.500%  1.00% 4.677% $608 
20 year
4.375% 1.00% 4.617% $751 
15 year
4.000% 1.00% 4.305% $888 
Term: Fixed
Rate Origination APR Payment Amount (P&I)
30 year
4.750% 0 4.841% $626 
20 year
4.625% 0 4.749% $767 
15 year
4.250% 0 4.406% $903 

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 7/16/18 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.


Adjustable Rate Mortgage Loans

Rates shown as Annual Percentage Rate5/5 ARM3/3 ARM

Initial Rate Offer

as of 7/9/183.250%3.000%
Loan Terms Maximum period for loan repayment.360 Months360 Months
Initial Fixed PeriodPeriod which the initial rate is set. Subject to Subsequent Adjustment Period. 60 Months36 Months
Subsequent Adjustment PeriodFrequency in months that rate may reset.60 Months36 Months
Initial Adjustment CapThe maximum amount the rate may increase or decrease after the initial fixed period. 2.250%2.000%
Periodic Adjustment CapThe maximum amount the rate may increase or decrease after the Subsequent Adjustment Period. 2.250%2.000%
Maximum Interest RateThe maximum interest rate you may be required to pay. Initial Rate + 5.00%Initial Rate + 5.00%
IndexA 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).Weekly Five Year Constant Maturity Treasury (CMT)Weekly Three Year Constant Maturity Treasury (CMT)
Current Index ValueSubject to change, without notice.2.73%2.64%
Margin The amount added to the index to determine the rate adjustment (subject to any adjustment caps or floors). 2.250%2.000%
FloorThe minimum interest rate that will be charged. 2.250%2.000%
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.