Randolph-Brooks Federal Credit Union


Overview / Commentary
210-945-3333
1 Ikea-Rbfcu Parkway
Live Oak, TX 78233

Randolph-Brooks Federal Credit Union is headquartered in Live Oak and is the largest credit union in the state of Texas. It is also the 11th largest credit union in the nation. It was established in 1952 and as of September of 2024, it had grown to 2,354 employees and 1,158,867 members at 63 locations. Randolph-Brooks Federal Credit Union's money market rates are 6X the national average, and it has 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

Great Experience

Posted by: |

RBFCU is currently offering an 18-month "SuperSaver Certificate" with an APY of 5.45%. Their Customer Support staff said this was an "eclipse rate" and was likely to last only for about a week. It does require a minimum of $75K to get this APY, but it's a great way to lock in a good rate for the next 18 months, during which the Fed is certainly going to start reducing interest rates. (CDs between $1000 and $74999 can earn 5.25-5.35% depending on your opening balance, also excellent rates.)

Process was painless and very efficient, although I did go into a local branch to fund the account with a personal check. Service reps were incredibly helpful and pleasant to deal with.

Great Experience Turned Bad

Posted by: |

RBFCU was always great to work with, up until recently. I've given them the benefit of the doubt but can't take it anymore. Extremely long hold times and if you push one wrong number the automated system just disconnects the call. The different categories you need to complete your call have also been outsourced to different companies and all departments to different phone numbers (not even within the same system; ex: fraud is a different company than making a payment, disputes ect). I can't even take care of all my accounts in the same place other than online self service. I utilize self service as often as possible but sometimes you just need to speak with a live representative. I have had all my accounts, credit cards, car loans with RBFCU but have now decided to take my family's business elsewhere due to a recent horrible experience with a customer service representative. I was so friendly in the call because I also work in customer service and understand how it can be sometimes, but the representative was just straight out just horrible to speak with. Save yourself the time.

Horrible For Frequent Travelers

Posted by: |

Horrible service if you're a frequent traveler. No 2r service, random app issues for example....I was instructed by member services to cancel my card after losing it in Mexico. They assured me I'd be able to have access to my new digital card in the app immediately. It's been 24 hours due to app issues you can't view your card info in the app...additionally they locked me out of my account and I have to call member services when they open tomorrow. There is no emergency after hours number. They clock out at 6 and that's it. I'm closing my account when I get back to the states immediately. Do NOT bank with them.

Extremely Poor Customer Service!

I was extremely disappointed in the Potranco branch in San Antonio and in Randolph Brooks FCU in general. I'm blocked from mobile deposits because of a problem on my adult step-son's account and it couldn't be resolved over the phone, so I had to go in person to get help and make a deposit. Last Saturday around 11 am I went in and saw a line of people waiting for a teller, and someone sitting at the front desk with no line. I told Daniel about my problem and he refused to help me, telling me I need to get in line with everybody else, that he has other costumers he needs to help. by this time there was one other customer behind me, but at least 15 in line for a teller. I explained that this is not a normal customer service matter, that I’ve already tried to resolve this over the phone, that I shouldn’t even have to be here because this shouldn’t be an issue, but he was adamant. He would rather have me tie up a teller for however long it takes when there's already 15 people in line, instead of helping me himself with only 1 customer waiting for him.

So then I had to stand in line for about 25 minutes, and then I was helped by a very nice teller who really tried to help me. I think her name was Diana. She called and spoke to people and said things were fixed and it should correct itself automatically very soon, but it didn’t . There were only 3 tellers available and I took nearly 30 minutes of her time while people waited just to make deposits, because Daniel did not want to help me.

I found their customer contact email address and messaged them about what happened, and I got a reply the same day that someone from the branch would contact me to discuss my issue. It was Wednesday evening when I thought about it again and realized that no one ever called. When I messaged the customer contact people this, they said someone would contact me as soon as possible. That "messages were replied to in the order that they were received." Yeah, same attitude as at the branch!

I messaged again that it was ridiculous that no one could contact me in three days, and I was closing my accounts. They replied again, this time saying that they checked with the branch manager, and he said that he tried to call me twice and left two voicemails. I could contact him at the number given. I checked my history and there were no calls and no voicemails. Why should I call him! I'm the customer!

I’m closing my accounts with Randolph Brooks and you probably should, too! They used to be a great company, and it really saddens me to see how poorly the Potranco branch is run.

I never thought I'd be in this position. I have sung their praises for years but this is ridiculous

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Health

Health Grade Components

Overall
NCUA #8111
Year Chartered1952
Employees2354
Primary Regulator
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD13.41%
Annual Interest Income$674.5MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$17.55B$17.94B
LoansQ3 2024vs Q3 2023$12.27B$11.8B
DepositsQ3 2024vs Q3 2023$14.11B$13.53B
Equity CapitalQ3 2024vs Q3 2023$1.91B$1.5B
Loan Loss AllowanceQ3 2024vs Q3 2023$105.9MM$98.1MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$97.7MM$61.1MM
Real Estate OwnedQ3 2024vs Q3 2023$362K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Randolph-Brooks Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1-IRA Savings
0.30%$0-Savings

Randolph-Brooks Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*$150k*-Classic Money Market
OTHER TIERS: 1.81% $2.5k - $75k | 2.27% $75k - $150k
2.27%*$2.5k*$10kChoice Money Market
OTHER TIERS: 1.81% $25k+ | 1.97% $10k - $25k

Randolph-Brooks Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Really Free Checking

Randolph-Brooks Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%*$75k*-18 Month Super Saver CD
OTHER TIERS: 3.99% $1k - $5k | 4.03% $5k - $20k | 4.09% $20k - $75k
4.15%*$75k*-6 - 11 Month CD
OTHER TIERS: 3.90% $1k - $5k | 4.00% $5k - $20k | 4.04% $20k - $75k
4.15%*$75k*-12 - 23 Month CD
OTHER TIERS: 3.95% $1k - $5k | 3.99% $5k - $20k | 4.05% $20k - $75k
4.15%*$75k*-24 - 35 Month CD
OTHER TIERS: 3.85% $1k - $5k | 3.90% $5k - $20k | 4.05% $20k - $75k
3.91%*$75k*-36 - 47 Month CD
OTHER TIERS: 3.71% $1k - $5k | 3.77% $5k - $20k | 3.86% $20k - $75k
3.71%*$75k*-60 - 71 Month CD
OTHER TIERS: 3.50% $1k - $5k | 3.55% $5k - $20k | 3.65% $20k - $75k
3.70%*$75k*-48 - 59 Month CD
OTHER TIERS: 3.50% $1k - $5k | 3.55% $5k - $20k | 3.66% $20k - $75k
3.61%*$75k*-72 - 83 Month CD
OTHER TIERS: 3.40% $1k - $5k | 3.45% $5k - $20k | 3.56% $20k - $75k
3.51%*$75k*-84 Month CD
OTHER TIERS: 3.31% $1k - $5k | 3.36% $5k - $20k | 3.45% $20k - $75k

Randolph-Brooks Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%*$75k*-18 Month Super Saver IRA
OTHER TIERS: 3.99% $1k - $5k | 4.03% $5k - $20k | 4.09% $20k - $75k
4.15%*$75k*-6 - 11 Month IRA
OTHER TIERS: 3.90% $1k - $5k | 4.00% $5k - $20k | 4.04% $20k - $75k
4.15%*$75k*-12 - 23 Month IRA
OTHER TIERS: 3.95% $1k - $5k | 3.99% $5k - $20k | 4.05% $20k - $75k
4.15%*$75k*-24 -35 Month IRA
OTHER TIERS: 3.85% $1k - $5k | 3.90% $5k - $20k | 4.05% $20k - $75k
3.91%*$75k*-36 - 47 Month IRA
OTHER TIERS: 3.71% $1k - $5k | 3.77% $5k - $20k | 3.86% $20k - $75k
3.71%*$75k*-48 - 59 Month IRA
OTHER TIERS: 3.50% $1k - $5k | 3.55% $5k - $20k | 3.66% $20k - $75k
3.71%*$75k*-60 - 71 Month IRA
OTHER TIERS: 3.50% $1k - $5k | 3.55% $5k - $20k | 3.65% $20k - $75k
3.61%*$75k*-72 - 83 Month IRA
OTHER TIERS: 3.40% $1k - $5k | 3.45% $5k - $20k | 3.56% $20k - $75k
3.51%*$75k*-84 Month IRA
OTHER TIERS: 3.31% $1k - $5k | 3.36% $5k - $20k | 3.45% $20k - $75k
Locations

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