Featured Accounts

Randolph-Brooks Federal Credit Union

Popular Accounts at this Credit Union

2.02%5-year CD60 Month CD
1.81%4-year CD48 Month CD
1.71%3-year CD36 Month CD

Overview / Commentary
1 Randolph Brooks Pkwy
Live Oak, TX 78233-2416

Randolph-Brooks Federal Credit Union is headquartered in Live Oak and is the 2nd largest credit union in the state of Texas. It is also the 13th largest credit union in the nation. It was established in 1952 and as of June of 2017, it had grown to 1,820 employees and 690,041 members at 58 locations. Randolph-Brooks Federal Credit Union's CD rates are 46% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Randolph-Brooks Federal Credit Union is open to those who live or work at Randolph Air Force Base, eight underserved areas of San Antonio and Austin, Texas, and employees and associates of the select employer group.
See current membership details

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None Better

Posted by: BobTx | Jun 13, 2015

Best credit union in the state of Texas, and you can now do business with them in the D/FW area as well as San Antonio and Austin.

Had a breathtakingly superior mortgage experience recently with them on top of 40+ years of doing anything and everything I have needed,

RBFCU is pretty good for a local bank

Posted by: kevinpugh | Jul 3, 2017

I have been banking with Randolph Brooks Federal Credit Union for almost 20 years now, as I first opened a savings account with them while I was still in high school. Today, I have a checking account through them as well. Working with them is a breeze. I use direct deposit for my paycheck, but they also offer deposit via ATM or even through their mobile app, is pretty cool. Their overdraft fees are reasonable, and generally I've been able to get them waived, which shows they they appreciate their long-term clients. They offer an automatic savings program that takes a predetermined amount from my deposits and puts the funds into savings. I've also accrued quite a bit through their automatic 10-cent cash back promotion when using my debit card. Recently, they've built a branch closer to my house which makes going to the ATM to avoid any fees even easier. My mother has her mortgage with them, and I've made the payments a few times, and it couldn't be easier. Overall, I would recommend using RBFCU to anyone in the area.

Randolph Brooks

Posted by: jodielove | Aug 21, 2017

Creating an account is fairly easy at this bank. The problem is everything that comes after opening the account. After moving, the bank only changed my husband's billing address, and refuses to change mine, so I have to use our old address and hope that nothing accidentally gets sent there. Also, their overdraft fees are ridiculous. Unlike some of the larger banks, if there are smaller fees that are scheduled to go through on the same day as larger ones that could cause an accidental overdraft, they will not allow the smaller charges to go through first. They will insist on the larger charge being processed first, and then you will get an overdraft charge of $24 for every single small charge that was pending. This has resulted in over $100 of fees for us before, and the bank will do nothing to help. We wanted to use a small bank because it is local and easy to access, but that was a huge mistake.

Utterly Incompetent Member Services

I moved out of state and kept this bank because the online banking was fairly easy, but calling member services is a joke! They are incompetent, put you on endless holds and transfer you multiple times and they cannot track any historical records regarding things you discuss and agreements you make over the phone. DO NOT use this bank if there is somewhere else you can go. Frequently a 20-30 minute call will result in them wanting you to go into a branch to sort things out. I have NEVER only dealt with one person who answers the phone, they might as well be receptionists.

The latest stunt they pulled is to change the bill pay system, so they wiped out the old one, no one can get access to it anymore. You have to reload all of your billers and then the old bill pay system is still running in the background, so all those auto payments you had going out, they continue, you can't shut them off! Little tipper they didn't feel the need to share until all the new billers were re-established and auto-payments set up on that! ULTRA frustrating! The level of incompetence boggles the mind!



Health Grade Components

NCUA #8111
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD9.23%
Annual Interest Income$123.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$8.25B$7.33B
LoansQ2 2017vs Q2 2016$6.13B$5.44B
DepositsQ2 2017vs Q2 2016$6.67B$5.97B
Equity CapitalQ2 2017vs Q2 2016$986.1MM$904.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$27.5MM$24.7MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$20.1MM$21.5MM
Real Estate OwnedQ2 2017vs Q2 2016$243.00K$311.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Randolph-Brooks Federal Credit Union Savings Account Rates

0.40%--IRA Savings

Randolph-Brooks Federal Credit Union Money Market Rates

0.40%$2,500-Money Market

Randolph-Brooks Federal Credit Union Checking Account Rates

0.05%--Really Free Checking

Randolph-Brooks Federal Credit Union CD Rates

2.22%$1k-84 Month CD
2.12%$1k-72 Month CD
2.02%$1k-60 Month CD
1.81%$1k-48 Month CD
1.71%$1k-36 Month CD
1.56%$1k-24 Month CD
1.31%$1k-12 Month CD
0.75%$1k-6 Month CD

Randolph-Brooks Federal Credit Union IRA Rates

2.22%$1k-84 Month IRA
2.12%$1k-72 Month IRA
2.02%$1k-60 Month IRA
1.81%$1k-48 Month IRA
1.71%$1k-36 Month IRA
1.56%$1k-24 Month IRA
1.31%$1k-12 Month IRA
0.75%$1k-6 Month IRA