Synergy FCU Reviews

Synergy FCU Reviews

Published by on 2026-06-10

🏷️ About: Access your accounts at Synergy Federal Credit Union when and where you want right in the palm of your hand. It’s fast, secure and free access to your accounts anytime, anywhere.


       


Is Synergy FCU Safe to Use?

We Investigate the app owner's website (Synergyfcu.org), verify their legitimacy, and uncover hidden scams and complaints.


Overall Customer Experience 😎


🤬 Negative experience
99.9%

😎 Positive experience
0.1%

🫥 Neutral
0.0%

~ from Justuseapp.com NLP analysis of 518 combined software reviews.

Is Synergy FCU Safe?
Synergy FCU does not appear safe based on available data.
0.1/100

  Safety Analysis »»

Is Synergy FCU Legit?
Synergy FCU does not appear legitimate based on our analysis.
0.1/100



Read 17 Customer Service Reviews 😠💢

4.5 out of 5
Garbage

Got in with Synergy FCU about 3 months before this major overhaul in the mobile app and it has been horrendous. There was no longer the ability to schedule auto payments for my loan. Yes the auto payments I had setup came to a stop. I had to walk into the bank monthly to make a payment for nearly 6 months. Then they had to send me a link to setup auto payment. There is still no way to edit or cancel this via the mobile app. It's been over a year. I can't add an external institution to transfer funds. I can't send Zelle payments to my other banks.

Once I'm done with my loan here I will never return. In this day and age, mobile banking is important and they blew it

The old interface was so much better.

HORRIBLE!!!

SynergyFCU is HORRIBLE, it never works I’m getting ready to close this account because I can never use SynergyFCU

App

SynergyFCU is terrible

Trash

What happened to synergy! This thing is bad straight garbage!!!!

Horrible

Zero heads up! New app is tasteless and boring. They also took out Zelle app .

WHAT?!

Why release a new app that’s worse in literally every way? Who wins here?

New app

I do not like this new app. It’s horrible. I can’t see my monthly transactions

Garbage App

Fire your app developer. SynergyFCU is impossible to use and doesn’t even work

Horrible

This new “updated” app is worse than before please change it back im about to switch banks over this

WHAT HAPPENED!

This new app roll out has absolutely taken all trust I have with this bank. I cannot get a hold of them for my financial needs. What if I have an emergency where I need to pull some money but can’t because they are IMPOSSIBLE to get a hold of. Zelle is no longer available with the new app and it’s literally useless. I have left many voicemails for me to
Receive a call back and it’s been DAYS! What if there was fraud on my account and it wiped everything I got? Can’t get a hold of these people and it’s extremely disturbing and frustrating. Overall, I’m very unsatisfied with this institution.

Terrible App

App never maintains login credentials. Users also can’t make a payment to an account using an external bank account. Please fix these issues.

AWFUL

SynergyFCU is the worst. Here it is the weekend and can’t get into SynergyFCU . Changed my password and nothing still can’t get in. Oh and did I forget CANT CALL ANYONE FOR HELP BECAUSE ITS CLOSED SAT AND SUN. This is ridiculous. Bring the old app back. Security Service FCU here I come

Terrible!

Destroyed the perfectly good user interface with this. You need to fire the devs and the management that pushed this through. Major downgrade. A CU with no branches CANNOT limit its users by SynergyFCU in any manner. You owe it to your members to provide a substantive app with great flexibility. Get it!? You don’t have branches therefore you MUST have a working app.

Trash - Terrible and Useless Update!

Where do I start! This is a complete piece of garbage. Both SynergyFCU and the online banking. How could a CU roll out something that is this terrible and obviously not ready to launch. No Zelle, very limited on everything else. I can’t even check for transactions if they were before the recent transactions list. I’m at my wits end. About to change banks over this piece of junk. Roll everything back or increase the functionality pronto!

Do Better

With the old app I was able to transfer funds to a different account. I am unable to transfer with SynergyFCU. As a result I have to drive 20 miles to my bank.

6/22/24 updated my app and it stopped working-again

Not like it w.

Almost back to useable like it was before.

Bad

Although SynergyFCU works on an iPad , the screen size stays the same as if you are on a phone. Terrible unless I’m missing information to adjust th screen size.



Is Synergy FCU Safe? 🙏

Synergy FCU does not appear safe based on available data. JustUseApp Safety Score for Synergy FCU is 0.1/100.
This assessment is based on our NLP analysis of 518 user reviews. Combined with the app store average rating of 4.5/5.


Is Synergy FCU Legit? 💯

Synergy FCU does not appear legitimate based on our analysis. Our NLP models processed user feedback to estimate legitimacy. JustUseApp Legitimacy Score for Synergy FCU is 0.1/100 .
This conclusion is based on analysis of 518 user reviews.




How was your experience with Synergy FCU? Post a Review




Features

Access your accounts at Synergy Federal Credit Union when and where you want right in the palm of your hand.

It’s fast, secure and free access to your accounts anytime, anywhere.

*Some restrictions apply.

Federally insured by the NCUA.