Randolph-Brooks Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.99%	5-year CD	3.10% - Synchrony Bank 60 Month CD
2.73%	4-year CD	1.80% - National Average
2.63%	3-year CD	2.85% - Synchrony Bank 36 Month CD

View all Randolph-Brooks Federal Credit Union rates »

Overview / Commentary

www.rbfcu.org

210-945-3333

1 Randolph Brooks Pkwy
Live Oak, TX 78233-2416

Randolph-Brooks Federal Credit Union is headquartered in Live Oak and is the 2^nd largest credit union in the state of Texas. It is also the 12^th largest credit union in the nation. It was established in 1952 and as of June of 2018, it had grown to 1,914 employees and 769,214 members at 60 locations. Randolph-Brooks Federal Credit Union's money market rates are 3X 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

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,

Comment

6

Check Around For Better Savings And IRA Rates.

Posted by: Hamilton | Mar 22, 2018

After 30 years of using them I am very disappointed in there rates they pay you for using your money. Have been transferring many of my IRA accounts for that reason to Ally. I do like there auto loan rates and have used them a lot in the past. Every time I see the mansion they are building to glorify them selves off 1604 and I -35 I can see why they can not pay any more to there customer's on there savings and IRA accounts. Will continue to use them for simple check deposits and good rates on there MasterCard. Hope this helps others.

Comment

2

Randolph Brooks

Posted by: jodielove | Aug 21, 2017

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.

Comment

4

WORST BANK, NICKLE AND DIME

Posted by: OrganicChicken | Oct 8, 2018

I have been a member of this credit union for three years. I have never had an overdraft or any sort of fee until today, when a transfer was initiated a day earlier than I expected and hit with an insufficient funds fee.

I called in with hopes that they could give me a one time courtesy and waive this fee since I have been a loyal customer for over three years. I was met with a simple no, we don't do courtesy fee waivers. I have never been with a bank or credit union that doesn't work with their customers and help out their loyal ones when a mistake is made.

I highly recommend you look elsewhere to another bank or credit union for your banking needs. Its clear this one is looking to just make money off you in unwaivable fees. I will be switching to another bank shortly.

Comment

1

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Health

A+

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	8111
Year Chartered	1952
Employees	1914
Primary Regulator

Profit Margin
Return on Assets - YTD	1.29%
Return on Equity - YTD	10.66%
Annual Interest Income	$149.8MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$8.99B$8.25B
Loans	Q2 2018vs Q2 2017	$7.12B$6.13B
Deposits	Q2 2018vs Q2 2017	$7.22B$6.67B
Equity Capital	Q2 2018vs Q2 2017	$1.08B$986.1MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$33.7MM$27.5MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$26.8MM$20.1MM
Real Estate Owned	Q2 2018vs Q2 2017	$245.00K$243.00K

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