Rates & Fees
Find the type of savings rate you are looking for in the first column and then follow the row to find the current rates associated with that account.
| Savings Rates | APR | APY |
|---|
| Savings Rate (No minimum) | 0.10% APR | 0.10% APY |
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| Share Draft Rate (No Minimum) | 0.05% APR | 0.05% APY |
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Find the type of savings certificate of deposit you are looking for in the first column and then follow the row to find the current rates associated with that account.
| Certificates of Deposit Rates | APR | APY |
|---|
Savings
6 Month ($1,000 Minimum) | 0.12% APR | 0.12% APR |
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| 1 Year ($1,000 Minimum) | 0.15% APR | 0.15% APY |
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| 18 Month ($1,000 Minimum) | 0.18% APR | 0.18% APY |
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| 2 1/2 Year ($1,000 Minimum) | 0.21% APR | 0.21% APY |
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Find the type of IRA certificate of deposit you are looking for in the first column and then follow the row to find the current rates associated with that account.
| Certificates of Deposit Rates | APR | APY |
|---|
IRA (Individual Retirement Acct)
6 Month ($1,000 Minimum) | 0.12% APR | 0.12% APY |
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| 1 Year ($1,000 Minimum) | 0.15% APR | 0.15% APY |
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| 18 Month ($1,000 Minimum) | 0.18% APR | 0.18% APY |
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| 2 1/2 Year ($1,000 Minimum) | 0.21% APR | 0.21% APY |
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Find the type of loan you are looking for in the first column and then follow the row to find the current rates associated with that loan type.
| Loan Rates | Rate |
|---|
| Share Secured | 3.00% + Dividend Rate |
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| CD Secured | 3.00% + Dividend Rate |
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| Unsecured - Terms up to 36 months | 10.70% (Base Rate) (*) |
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| New Cars (Base Rates) | 4.70% (Base Rate)(*) |
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| Used Car Rates | 4.80% - (Base Rate)(*) |
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| VISA Card | 17.9% |
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| No Annual Fee |
(*) Rate varies based on credit score.
Note: Interest rates change on a weekly basis. Please contact us for current rates.
Find possible events at Synergy Partners Credit Union that could have fees associated with them in the first column. Follow the row to see what the associated fee will be.
| Fees | Fee |
|---|
| SERVICE FEE SCHEDULE. EFFECTIVE JANUARY 1, 2024 |
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| Account Statement Reprint | $5.00 |
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| Account Balancing Assistance | N/C |
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| Account Closing (within 90 days) | $25.00 |
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| Account Research | $20.00 hr. |
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| ATM Card (Lost/Stolen) | $6.00 |
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| ATM PIN Reminder | $6.00 |
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| ATM Withdrawals | $1.50 |
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| ATM Denials | $1.00 |
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| ATM NSF Fees | $28.00 |
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| Checking Account Request Denial Fee | $5.00 |
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| Copy of Cancelled Check | $2.00 |
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| Credit Card Application Fee | $25.00 |
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| Credit Card Limit Increase Request | $25.00 |
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| Dormant Accounts (per qtr.) | $10.00 |
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| Early W/D from Xmas Club | $20.00 |
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| Late Payment Fee | $25.00 |
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| Loan Application Fee | $25.00 |
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| Loan Payoff within 90 Days | $25.00 |
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| Minimum Balance Fee Mo. (<$50) | $5.00 |
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| Monthly Paper Statement Fee | $2.00 |
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| Negative Account Balance | $28.00 |
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| NSF Checks | $28.00 |
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| Return Mail Fee | $3.00 |
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| Reopen account fee | $20.00 |
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| Special Statements/Cutoffs | $5.00 |
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| Stop Payments (Checking/ACH) | $25.00 |
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| Stop Payments (CU Checks) | $25.00 |
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| Void Issue Check Fee | $3.00 |
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| Wire Incoming Fee | $5.00 |
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| Wire Outgoing Fee | $30.00 |
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