Synergy Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
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⚠️ Currently Inactive
It merged into Conexus Credit Union in 2026, along with Cornerstone Credit Union, ceasing independent operations.
Read our independent Synergy Credit Union review to compare financial metrics, chequing fees, and branch locations across Saskatchewan. As of 2026, Synergy Credit Union ranks #29 among Canadian credit unions with $2.1 billion in total assets.
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Credit Union
Synergy
Synergy Credit Union is a credit union located in Saskatchewan. It was founded in 1943. It primarily serves Headquartered in Lloydminster and it targetted West-Central Saskatchewan and East-Central Alberta.
Synergy Credit Union was a Saskatchewan based credit union founded in 1943 as Lloydminster Savings and Credit Union. Based in Lloydminster, it grew into one of Saskatchewan’s larger cooperative financial institutions, serving members across west central Saskatchewan.
Synergy offered personal, business, and agricultural banking, along with lending, investments, and financial advice. Its work focused on local service, member ownership, and community reinvestment. The credit union was also recognized as one of Saskatchewan’s Top Employers.
Synergy returned earnings to members, employees, and community initiatives through programs such as Synergy Shares. On January 1, 2026, Synergy amalgamated with Conexus and Cornerstone Credit Unions under the Conexus Credit Union name, continuing its regional cooperative banking history within a larger province wide financial institution.
Provinces served
Number of Members (as of 2025): ~27,000
Synergy Credit Union Ranking Among Credit Unions Monitored by WOWA
29th
by Assets
of 134 credit unions
28th
by Loans
of 133 credit unions
30th
by Deposits
of 133 credit unions
Synergy Credit Union ranks 29th among Canadian credit unions by assets monitored by WOWA, 28th by loans, and 30th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $2,136M | +5.2% | +30.2% |
| Loans | $1,778M | +12.6% | +52.7% |
| Deposits | $1,906M | +4.6% | +31.0% |
| Loan-to-Deposit Ratio | 93.3% | — | — |
| Mortgages + HELOCs | $817M | +18.8% | +33.5% |
| Securities | $289M | -16.0% | -20.2% |
| Revenue | $71M | +18.3% | +44.9% |
| Efficiency Ratio | 71.1% | — | — |
| Target Members / Region | Headquartered in Lloydminster, it targetted West-Central Saskatchewan and East-Central Alberta | — | — |
Synergy Credit Union Deposits, Loans and Revenue in the Past 5 Years
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