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Randolph-Brooks Federal Credit Union

Popular Accounts at this Credit Union

1.97%5-year CD60 - 71 Month CD
1.76%4-year CD48 - 59 Month CD
1.61%3-year CD36 - 47 Month CD

Overview / Commentary
1 Randolph Brooks Pkwy
Live Oak, TX 78233-2416

Randolph-Brooks Federal Credit Union is headquartered in Live Oak and is the 2nd largest credit union in the state of Texas. It is also the 13th largest credit union in the nation. It was established in 1952 and as of March of 2017, it had grown to 1,796 employees and 674,456 members at 57 locations. Randolph-Brooks Federal Credit Union's CD rates are 23% higher than 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.
See current membership details

Related Posts

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None Better

Posted by: BobTx | Jun 13, 2015

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,

Check Reordering Process Poor

Posted by: Shorebreak | Oct 1, 2014

Attempting to utilize the RBFCU online check order program results in failure at the end of the process. An error message appears when submitting the order noting that the account number is too long. This is when the account number is automatically entered by the program. Calling customer service enables one to order checks but they can't provide the free checkbook cover with the RBFCU logo available online.


Beware of ACH drafts, if you are a member of Randolph Brooks Federal Credit Union in the Central Texas metros of Austin & San Antonio. Worse than transactional ordering, this banking scheme plays on a hidden first in-first out (FIFO) running balance, anticipating customers will initiate electronic payments and make deposits at different times on a given banking day, capitalizing on the timing of both.

As stated on their website's Overdraft Protection page, "We pay all checks and debits on your checking account in order of arrival sequence throughout the day"

This practice is NOT in the bank member's best interest. Nor is this the practice of many large commercial banks. It is, however, a lucrative practice for RBFCU.

As an example, if an ACH draft presents itself to the bank at 1:10 PM and your deposit to cover the draft is processed at 1:15 PM, you will receive a $24 NSF fee, since your deposit was made five minutes after the ACH blipped on their screen. However, you, the bank member, won't see it as a posted transaction at 1:10 PM, on your online banking ledger. Most likely, it will appear as posted on the following banking day, or after 9 PM CST

Due to this nefarious and obscure transactional ordering policy, the credit union takes unfair advantage of its members' funds by intentionally refusing to clarify one daily posting/cut off time for deposits for all pending ACH or debit transactions.

However, this is not the case with all banks. One of the nation's largest commercial banks clearly states deposit cut off times for the banking day and does not assess any fees on pending items, only on overdrawn posted items that clear overnight. This superior system creates one single Ending Daily Balance that shows items that overdrew, after all deposits are accounted for, prior to the cut off time.

To avoid this unpleasant experience, what RBFCU wants its members to do is to enable Courtesy Pay to cover the Pending Item, thereby incurring a $24 fee, similar to an NSF fee. Unless funds can be drawn from another overdraft source, such as a savings account or credit line, the member will pay $24 in the form of an NSF or Courtesy Pay fee.

For all of the negative press the large commercial banks have received in recent years, it's become apparent that credit unions, like RBFCU, are really far more sinister in their fee practices, by refusing to create one cut off time for the day's deposits, to cover ALL pending or posted debit items.

Non-existent (or non-disclosed) deposit cut off times and invisible running balances, that do not update by the minute on a members online bank ledger, shadow RBFCU's true intent to collect fees, even when pending items do not truly overdraft, which would cause the use of bank funds, rather than a member's deposited funds.

Perhaps the NCUA needs to investigate this practice. If nothing else, our state legislators should be informed, if this loophole needs to be addressed as a part of fair practices required of state chartered banks, headquartered in TX, under the TX Finance Code.


Or, it might serve local journalists and reporters a story that should be brought to the public's attention, demanding reform of an abusive bank/credit union practice, in need of enforcement under existing consumer protection acts.


I just closed my accounts with RBFCU after seven years. I had debits coming out of my savings account, which is linked to my checking. I was under the impression those debits would come out of my checking, but I was mistaken. Nevertheless, I was also under the assumption that since my accounts were linked, that one account would cover the other in the event of overdraft. This is apparently only the case when the circumstances are backwards (checking going into overdraft with money in savings to cover). When I called the customer service line for RBFCU, the agents were horribly rude and humiliating. When I asked to speak to a supervisor about this situation, I received the response of "(scoff)...you're just gonna get the same answer!" It was horrible! That person then transferred me. I told her to please not let anymore debits come through my savings, that it was ridiculous to have debits coming through my savings and, also, ridiculous that RBFCU wouldn't pay those charges out of my linked checking account. I had to ask to speak to her supervisor as well and, believe it or not, I got the same response from her! She placed me on a brief hold and then told me her supervisor was busy and they'd call me back. I never received a call back. I came to a level of acceptance and decided it wasn't worth the effort and I would just absorb the $75 in NSF fees. Then, my bank account was hit once again by a "retry" of those same charges even after asking them to stop any future attempts to debit my savings account. BAM! Another $75! I walked into the bank branch this time to talk to someone face to face. They were very apologetic and said they can't do anything without corporate approval. PLEASE! IF YOU VALUE HAVING MONEY IN YOUR BANK ACCOUNT, AVOID THIS BANK LIKE THE PLAGUE! THEY ARE NOT THE FRIENDLY SMALL-TOWN BANK THEY USED TO BE! THEY WILL TAKE YOUR MONEY VIA OBSCURE LOOPHOLES EVERY CHANCE THEY GET!



Health Grade Components

NCUA #8111
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD8.62%
Annual Interest Income$60.3MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$8.13B$7.13B
LoansQ1 2017vs Q1 2016$5.96B$5.27B
DepositsQ1 2017vs Q1 2016$6.56B$5.82B
Equity CapitalQ1 2017vs Q1 2016$956.6MM$874.7MM
Loan Loss AllowanceQ1 2017vs Q1 2016$27.1MM$22.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$19.4MM$21.0MM
Real Estate OwnedQ1 2017vs Q1 2016$278.00K$472.00K
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* 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

0.40%--IRA Savings

Randolph-Brooks Federal Credit Union Money Market Rates

0.40%$2,500-Money Market

Randolph-Brooks Federal Credit Union Checking Account Rates

0.05%--Really Free Checking

Randolph-Brooks Federal Credit Union CD Rates

2.17%$1k-84 Month CD
2.07%$1k-72 - 83 Month CD
1.97%$1k-60 - 71 Month CD
1.76%$1k-48 - 59 Month CD
1.61%$1k-36 - 47 Month CD
1.36%$1k-24 -35 Month CD
1.11%$1k-12 - 23 Month CD
0.60%$1k-6 - 11 Month CD

Randolph-Brooks Federal Credit Union IRA Rates

2.17%$1k-84 Month IRA
2.07%$1k-72 - 83 Month IRA
1.97%$1k-60 - 71 Month IRA
1.76%$1k-48 - 59 Month IRA
1.61%$1k-36 - 47 Month IRA
1.36%$1k-24 - 35 Month IRA
1.11%$1k-12 - 23 Month IRA
0.60%$1k-6 - 11 Month IRA

Randolph-Brooks Federal Credit Union has 57 locations. Click to view all Randolph-Brooks Federal Credit Union locations.