Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
210-945-3333
1 Randolph Brooks Pkwy
Live Oak, TX 78233-2416

Randolph-Brooks Credit Union is headquartered in Live Oak and is the 2nd largest credit union in the state of Texas. It is also the 13st largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 1,216 employees and 470,565 members. Randolph-Brooks Credit Union has a A+ health rating.

Field of Membership Restrictions

RBFCU provides affordable financial services to members who live, work, worship, volunteer or attend school within many South Central Texas communities. - See Details

Related Posts



Randolph Brooks Lending Department.

 I wish I could say RBFCU has great service, but I guess some people that work there are not very competent. I have been a member of RBFCU for over 15 years and have never been behind on one payment or delinquent on anything and I have good credit. I needed $15,000.00 to repair my foundation on my house that is basically breaking my house. Let's face it $15,000.00 is not a lot of money now a days. So they did the counter offer dance and said  we can only approve you for $10,000.00. Funny thing is I don't need $10,000.00 in need $15,000.00. I wonder if I could give the foundation company a counter offer of $10,000.00 instead of $15,000.00. They should be fine with that right? Good luck with that! So after RBFCU has basically spit in my face and disrespected me on several occassions I unfortunately have a very bad taste in my mouth.

RE: To the personal attacks message.

 This is what reviews are for to see who is not doing they're job! And if you do not want people writing bad comments about RBFCU, then RBFCU needs to address the area that is having an issue. Until then you will get bad reviews. If I could of selected no stars I would!

Excellent service, good rates

I've had nothing but great experiences with Randolph-Brooks Federal Credit Union. The service has always been helpful, informative and, friendly. I've opened a savings account, checking account, and a money market. The dividends have been helpful in making ends meet. I definitely plan on sticking with RBFCU for as long as possible and will very likely use their services to take out loans when I decide to buy a large purchase. I definitely recommend investing there.

Outstanding Service And Rates At Randolph-Brooks Credit Union

When my 3-year 5.10% IRA certificate matured at RBFCU late in November I placed it in an IRA savings account there until I decided what to do with it. With a dismal rate structure everywhere and safety in mind I decided to open three equally funded certificates at RBFCU with 5, 6, and 7 year maturities. The interest rate came to an average of 3.00% which is probably close to the best I could have done anywhere else these days. I called RBFCU this morning and asked the CSR to transfer me to someone who could do the account transaction for an IRA. She said she could take care of it for me. The whole transaction took less than five minutes and was immediately posted on-line. Now that's what I call service. No paperwork and no hassles. I've consistently had no problems with this financial institution and the selection of products has been excellent with certificate rates up there in the top-tier most of the time.  Definitely a five star credit union. In fact I saw a billboard ad a couple of years ago in San Antonio noting that they were judged the number one credit union in Texas. I agree.

Never a better credit union!

I have been a member of Randolph Brooks since I married my husband 17 years ago. He has been a member since he was five years old. We both have extensive experience with RBFCU and will continue to be members the rest of our lives. We have had car loans, personal loans, credit cards, insurance, investments, savings, and checking accounts. The only experience we haven't had is obtaining a home mortgage loan through them but we will be doing that soon! We love everything about them and cannot say enough good things about them. They have excellent customer service and even offer suggestions when we don't know what's best. They have pulled through for us time and time again and we always recommend them to friends.

VIEW MORE REVIEWS

Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Randolph-Brooks Credit Union had $12.18 million in non-current loans and owned real-estate with $740.34 million in equity and loan loss allowances on hand to cover it. This gives Randolph-Brooks Credit Union a Texas Ratio of 1.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Randolph-Brooks Credit Union decreased slightly from 2.00% as of March 31, 2013 to 1.65% as of March 31, 2014, resulting in a positive change of 17.71%.This indicates that the balance sheet and financial strength for Randolph-Brooks Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Randolph-Brooks Credit Union has increased its total deposits by $398.29 million, resulting in 8.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Randolph-Brooks Credit Union has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Randolph-Brooks Credit Union has $5.91 billion in assets with $740.34 million in equity, resulting in a capitalization level of 12.52%, which is excellent.

Institution Statistics

Overall
NCUA #8111
Year Chartered1952
Employees1216
Primary Regulator
Assets and Liabilities
Assets$5.91 billion
Loans$3.83 billion
Deposits$4.89 billion
Equity Capital$722.82 million
Loan Loss Allowance$17.52 million
Unbacked Noncurrent Loans$9.60 million
Real Estate Owned$2.59 million
Historic Data - March 2013
Assets$5.46 billion
Equity Capital$662.85 million
Loan Loss Allowance$15.50 million
Unbacked Noncurrent Loans$9.60 million
Real Estate Owned$3.54 million
Profit Margin - Quarterly
Return on Assets1.34%
Return on Equity10.94%
Interest Income$45.50 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Randolph-Brooks Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Randolph-Brooks Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%--IRA Savings
0.35%--Roth IRA Savings
0.20%--Savings

Randolph-Brooks Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$2,500-Money Market

Randolph-Brooks Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Checking

Randolph-Brooks Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.97%$1k-7 Year CD
1.76%$1k-6 Year CD
1.62%$1k-5 Year CD
1.41%$1k-4 Year CD
1.37%$1k-3 Year CD
1.01%$1k-2 Year CD
0.66%$1k-1 Year CD
0.41%$1k-26 Week CD

Randolph-Brooks Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.97%$1k-7 Year IRA
1.76%$1k-6 Year IRA
1.62%$1k-5 Year IRA
1.41%$1k-4 Year IRA
1.37%$1k-3 Year IRA
1.01%$1k-2 Year IRA
0.66%$1k-1 Year IRA
0.41%$1k-26 Week IRA
Locations

Randolph-Brooks Credit Union has 42 locations. Click to view all Randolph-Brooks Credit Union locations.