Dedicated to Deposits: Deals, Data, and Discussion

High CD Rates at Randolph-Brooks Credit Union in Texas - Local Only


Randolph-Brooks Credit Union

CD and IRA CD rates have held up well at Randolph-Brooks Credit Union. Most of the long-term CD rates have remained the same since my last post in December. 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 6/03/2011:

  • 3.45% APY 7-year CD, $75K min, 420-day EWP
  • 3.14% APY 6-year CD, $75K min, 360-day EWP
  • 2.84% APY 5-year CD, $75K min, 300-day EWP
  • 2.32% APY 4-year CD, $75K min, 240-day EWP
  • 2.12% 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. If you're shopping for CD rates in Texas, you may want to see if your credit union will match these rates. If your credit union has a smaller EWP, the rate match would be very nice.

Randolph-Brooks 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.

Randolph-Brooks Federal Credit Union branches are located throughout Central Texas. It's the third largest credit union based in Texas. It has over $4 billion in assets.

The credit union's overall health score at is 5 stars (out of 5) with a Texas Ratio of 0.71% (excellent) based on March 2011 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).

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Related Pages: Randolph-Brooks Credit Union, Texas, CD rates, IRA rates

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Comment #1 by Shorebreak posted on
I have been very satisfied with the customer service and rates at RBFCU for a number of years. My certificate accounts are laddered so the EWP is not a top-priority with my funding there. The only irritant I find is that once one opts to either receive the interest out of the certificate or reinvest the interest into the certificate at the time of opening the account, this cannot be changed thereafter. It's either one or another. This contrasts with Penfed, where one can switch back and forth at any time. Otherwise, a very good credit union.

Comment #2 by Anonymous posted on
What if you need the money after the CD is open, you will lose your shirt with "3.45% APY 7-year CD, $75K min, 420-day EWP". Your principal is at risk too.

Year and a half of penalty is the deal killer.