Synergy Federal Credit Union

Headquarters: San Antonio, Texas
Charter: Credit Union
Assets: $334.2M
Fed district: Dallas

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Synergy Federal Credit Union: $25
Synergy Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Synergy Federal Credit Union: $25
Synergy Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Synergy Federal Credit Union: $1
Synergy Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Synergy Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Money Market Accounts - Excessive Withdrawal Fee (over 3 withdrawals per month)$10
Not compared: Monthly charge, not per item
per month
Bad Address Fee$3
per month

Overdraft & NSF

Overdraft/NSF Fee (non-sufficient funds)$25
Returned Check Fee - Same Party Check$25

ATM & Card

Foreign ATM Withdrawal Fee$1
International Foreign ATM Withdrawal Fee$2
Debit Card Replacement Fee (per card)$5
per item

Wire Transfers

Wire Transfer - Outgoing Domestic$15
Wire Transfer - IncomingNo charge
Wire Transfer - Outgoing Foreign$40

Check Services

Money Orders$1
per item
Stop Payments (to put on or remove) including ACH and Bill Pay$25
Temporary Checks$1
per item · 8 for $1.00
Copy of Check Request including Bill Pay$3

Digital & Electronic

Bill Pay$3
Bill Pay - Over night Expedited Payments - Overnight Check$21
Bill Pay - Overnight Expedited Payments - Electronic via E-Pay$3.40
Bill Payment & PresentmentNo charge

Account Services

Notary Service (members only)No charge

Gift & Prepaid Cards

VISA Gift Cards$2.95

Other Fees

Statement Copy$3
Loan Extension$25

Fee	Amount	Basis	Note
Account Maintenance
Money Market Accounts - Excessive Withdrawal Fee (over 3 withdrawals per month)	$10Not compared: Monthly charge, not per item	per month	None
Bad Address Fee	$3	per month	None
Overdraft & NSF
Overdraft/NSF Fee (non-sufficient funds)	$25	Not stated	None
Returned Check Fee - Same Party Check	$25	Not stated	None
ATM & Card
Foreign ATM Withdrawal Fee	$1	Not stated	None
International Foreign ATM Withdrawal Fee	$2	Not stated	None
Debit Card Replacement Fee (per card)	$5	per item	None
Wire Transfers
Wire Transfer - Outgoing Domestic	$15	Not stated	None
Wire Transfer - Incoming	No charge	Not stated	None
Wire Transfer - Outgoing Foreign	$40	Not stated	None
Check Services
Money Orders	$1	per item	None
Stop Payments (to put on or remove) including ACH and Bill Pay	$25	Not stated	None
Temporary Checks	$1	per item	8 for $1.00
Copy of Check Request including Bill Pay	$3	Not stated	None
Digital & Electronic
Bill Pay	$3	Not stated	None
Bill Pay - Over night Expedited Payments - Overnight Check	$21	Not stated	None
Bill Pay - Overnight Expedited Payments - Electronic via E-Pay	$3.40	Not stated	None
Bill Payment & Presentment	No charge	Not stated	None
Account Services
Notary Service (members only)	No charge	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$2.95	Not stated	None
Other Fees
Statement Copy	$3	Not stated	None
Loan Extension	$25	Not stated	None

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Synergy Federal Credit Union's ach origination changes in our data

We check once a day and send one email covering every change.