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 23, 2014

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


Randolph-Brooks Credit Union

Randolph-Brooks Credit Union continues to offer several competitive CD and IRA CD rates especially for its long-term CDs. The best rates require a minimum deposit of $75K and are higher than what PenFed and USAA Bank are offering. 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 10/10/2010:

  • 3.56% APY 7-year CD, $75K min, 420-day EWP
  • 3.20% APY 6-year CD, $75K min, 360-day EWP
  • 2.94% APY 5-year CD, $75K min, 300-day EWP
  • 2.43% APY 4-year CD, $75K min, 240-day EWP
  • 2.22% APY 3-year CD, $75K min, 180-day EWP

Note, EWP stands for early withdrawal penalty, and these penalties are stated below the rate table. 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 overall health score is 4 out of 5 at with a Texas Ratio of 2.50% (excellent) based on June 2010 data. Please refer to our financial overview of Randolph-Brooks Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 8111). It's a large credit union with $4.09 billion in assets.

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

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Comment #1 by Purplesage posted on
I've been with Randolph-Brooks Credit Union for a few years now and find their customer service excellent. I don't have any ACH accounts at other banking institutions connected with them so I can't comment on that.