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 March of 2024, it had grown to 2,364 employees and 1,136,705 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.

Randolph Brooks

Posted by: |

Creating an account is fairly easy at this bank. The problem is everything that comes after opening the account. After moving, the bank only changed my husband's billing address, and refuses to change mine, so I have to use our old address and hope that nothing accidentally gets sent there. Also, their overdraft fees are ridiculous. Unlike some of the larger banks, if there are smaller fees that are scheduled to go through on the same day as larger ones that could cause an accidental overdraft, they will not allow the smaller charges to go through first. They will insist on the larger charge being processed first, and then you will get an overdraft charge of $24 for every single small charge that was pending. This has resulted in over $100 of fees for us before, and the bank will do nothing to help. We wanted to use a small bank because it is local and easy to access, but that was a huge mistake.

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.

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Health

Health Grade Components

Overall
NCUA #8111
Year Chartered1952
Employees2364
Primary Regulator
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD15.47%
Annual Interest Income$225.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$17.46B$16.86B
LoansQ1 2024vs Q1 2023$12.03B$11.32B
DepositsQ1 2024vs Q1 2023$13.89B$13.62B
Equity CapitalQ1 2024vs Q1 2023$1.73B$1.5B
Loan Loss AllowanceQ1 2024vs Q1 2023$102.4MM$58.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$66.5MM$35.2MM
Real Estate OwnedQ1 2024vs Q1 2023$80K$50K
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
2.54%*$150k*-Classic Money Market
OTHER TIERS: 1.82% $2.5k - $75k | 2.28% $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
4.95%*$75k*-18 Month Super Saver CD
OTHER TIERS: 4.75% $1k - $5k | 4.80% $5k - $20k | 4.85% $20k - $75k
4.80%*$75k*-12 - 23 Month CD
OTHER TIERS: 4.60% $1k - $5k | 4.65% $5k - $20k | 4.70% $20k - $75k
4.51%*$75k*-6 - 11 Month CD
OTHER TIERS: 4.26% $1k - $5k | 4.37% $5k - $20k | 4.41% $20k - $75k
4.51%*$75k*-24 - 35 Month CD
OTHER TIERS: 4.21% $1k - $5k | 4.31% $5k - $20k | 4.41% $20k - $75k
4.26%*$75k*-36 - 47 Month CD
OTHER TIERS: 4.06% $1k - $5k | 4.12% $5k - $20k | 4.21% $20k - $75k
3.86%*$75k*-48 - 59 Month CD
OTHER TIERS: 3.66% $1k - $5k | 3.71% $5k - $20k | 3.82% $20k - $75k
3.82%*$75k*-60 - 71 Month CD
OTHER TIERS: 3.61% $1k - $5k | 3.66% $5k - $20k | 3.76% $20k - $75k
3.61%*$75k*-72 - 83 Month CD
OTHER TIERS: 3.40% $1k - $5k | 3.45% $5k - $20k | 3.56% $20k - $75k
3.50%*$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
4.95%*$75k*-18 Month Super Saver IRA
OTHER TIERS: 4.75% $1k - $5k | 4.80% $5k - $20k | 4.85% $20k - $75k
4.80%*$75k*-12 - 23 Month IRA
OTHER TIERS: 4.60% $1k - $5k | 4.65% $5k - $20k | 4.70% $20k - $75k
4.51%*$75k*-6 - 11 Month IRA
OTHER TIERS: 4.26% $1k - $5k | 4.37% $5k - $20k | 4.41% $20k - $75k
4.51%*$75k*-24 -35 Month IRA
OTHER TIERS: 4.21% $1k - $5k | 4.31% $5k - $20k | 4.41% $20k - $75k
4.26%*$75k*-36 - 47 Month IRA
OTHER TIERS: 4.06% $1k - $5k | 4.12% $5k - $20k | 4.21% $20k - $75k
3.86%*$75k*-48 - 59 Month IRA
OTHER TIERS: 3.66% $1k - $5k | 3.71% $5k - $20k | 3.82% $20k - $75k
3.82%*$75k*-60 - 71 Month IRA
OTHER TIERS: 3.61% $1k - $5k | 3.66% $5k - $20k | 3.76% $20k - $75k
3.61%*$75k*-72 - 83 Month IRA
OTHER TIERS: 3.40% $1k - $5k | 3.45% $5k - $20k | 3.56% $20k - $75k
3.50%*$75k*-84 Month IRA
OTHER TIERS: 3.31% $1k - $5k | 3.36% $5k - $20k | 3.45% $20k - $75k
Locations

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