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 10th largest credit union in the nation. It was established in 1952 and as of September of 2023, it had grown to 2,384 employees and 1,103,295 members at 64 locations. Randolph-Brooks Federal Credit Union's CD rates are 6X the national average, and it boasts 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.
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None Better

Posted by: |

Best credit union in the state of Texas, and you can now do business with them in the D/FW area as well as San Antonio and Austin.

Had a breathtakingly superior mortgage experience recently with them on top of 40+ years of doing anything and everything I have needed,

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.

Wiped My Fathers Account When He Passed

When my father passed, this bank took his whole checking account and applied it to my fathers car note without notice or permission. Funds that could have been used for a funeral just gone. Even though the car note was in good standing and the loan wasn't "upside down". I had to go sell my fathers vehicle to given him a funeral he deserved because they wanted to take HIS money and do as they pleased. My current account with them has also caused issues. Auto pay failed and caused me to miss my only CC payment in my life. No text or email alerts, dropping my credit score 100 points over a $300 payment (this was not due to lack of funds). They changed protocol for payments only letting you pay from their own checking account, not yours. All in all they've been a hassle that has caused a lot of grief for me in my life. DO NOT RECOMMEND.

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Health
A+

Health Grade Components

Overall
NCUA #8111
Year Chartered1952
Employees2384
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD4.26%
Annual Interest Income$548.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$17.94B$15.64B
LoansQ3 2023vs Q3 2022$11.8B$10.85B
DepositsQ3 2023vs Q3 2022$13.53B$13.38B
Equity CapitalQ3 2023vs Q3 2022$4.41B$1.36B
Loan Loss AllowanceQ3 2023vs Q3 2022$98.1MM$56.1MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$61.1MM$35.1MM
Real Estate OwnedQ3 2023vs Q3 2022$0$202K
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%--Savings

Randolph-Brooks Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$2.5k*$10kChoice Money Market
OTHER TIERS: 1.81% $25k+ | 1.97% $10k - $25k
1.82%$2.5k-Classic Money Market

Randolph-Brooks Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Really Free Checking

Randolph-Brooks Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.21%*$75k*-18 Month Super Saver CD
OTHER TIERS: 5.02% $1k - $5k | 5.07% $5k - $20k | 5.11% $20k - $75k
5.07%*$75k*-12 - 23 Month CD
OTHER TIERS: 4.87% $1k - $5k | 4.91% $5k - $20k | 4.96% $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
5.21%*$75k*-18 Month Super Saver IRA
OTHER TIERS: 5.02% $1k - $5k | 5.07% $5k - $20k | 5.11% $20k - $75k
5.07%*$75k*-12 - 23 Month IRA
OTHER TIERS: 4.87% $1k - $5k | 4.91% $5k - $20k | 4.96% $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

Availability

San Antonio Area

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