Dedicated to Deposits: Deals, Data, and Discussion
Randolph-Brooks Credit Union1.97%$1k-7 Year CD
Randolph-Brooks Credit Union1.76%$1k-6 Year CD
Randolph-Brooks Credit Union1.62%$1k-5 Year CD
Randolph-Brooks Credit Union1.41%$1k-4 Year CD
Randolph-Brooks Credit Union1.37%$1k-3 Year CD
Accounts mentioned in this post. Rates as of August 27, 2014

Competitive Long-Term CD and IRA CD Rates at Randolph-Brooks Credit Union in Texas - Local Only


Randolph-Brooks Credit Union

Randolph-Brooks Credit Union is offering several competitive CD and IRA CD rates especially for its long-term CDs. The best rates require a minimum deposit of $75K. The rates are 0.05% less for a $20K minimum, and 0.10% less for a $5K minimum. Below are some of the best deals as listed in the credit union's rates page as of 7/12/2010:

  • 3.60% APY 7-year CD, $75K min, 420-day EWP
  • 3.30% APY 6-year CD, $75K min, 360-day EWP
  • 3.00% APY 5-year CD, $75K min, 300-day EWP
  • 2.55% APY 4-year CD, $75K min, 240-day EWP
  • 2.40% APY 3-year CD, $75K min, 180-day EWP

Note, EWP stands for early withdrawal penalty, and these penalties are stated in the credit union's disclosure (pdf). I included them with the rates since they vary by term, and they're above average for the longer terms. For CD terms over 5 years, it's common to have EWPs of 1-year or more in interest. For example, both Pentagon Federal Credit Union and Navy FCU have a 1-year EWP for their 7-year CDs. Most 5-year CDs only have a 6-month penalty. So that's an important consideration if you're looking to increase your yield.

Membership is open to those who live, work or worship in certain parts of Austin, San Antonio, San Marcos, Seguin and other parts of Central Texas. Please refer to the credit union's membership page for the full details.

The credit union's ratings for safety and soundness are strong: 5 stars (superior) at BauerFinancial, 4 stars (sound) at and an overall health score of 4 out of 5 at (see our Randolph-Brooks Credit Union financial overview). These ratings are based on March 2010 data except for Bankrate which is based on 12/31/09 data. The credit union is federally insured by the NCUA (Charter # 8111). It's a large credit union with $3.8 billion in assets.

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  Tags: Randolph-Brooks Credit Union, Texas, CD rates, IRA rates

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Comment #3 by Josh (anonymous) posted on
Don't even think about taking out one of these CDs, giving the heavy early withdrawal penalties.  The Federal Reserve has already printed a ton of money, and will print trillions more before those irresponsible people are finished.  That will permanently devalue the dollar.  Heavy inflation is baked into the cake.  A matter of when not if.  If you are locked into one of these CDs, you will be ****ed, and will be essentially wiped out at the end of a 7 year term, for example.

Comment #4 by Anonymous posted on
And how do you know all of this?