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Randolph-Brooks Federal Credit Union

Popular Accounts at this Credit Union

2.99%5-year CD60 Month CD
2.48%4-year CD48 Month CD
2.32%3-year CD36 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 2018, it had grown to 1,899 employees and 747,638 members at 58 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

Related Posts

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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 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.

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.


We had been members at RBFCU for more than 6 years but will not be much longer. This credit union tries to claim they are small business friendly but they are NOT. They intentionally post debits before posting any credits. For a small business this can be critical. Not only do they post debits first, they post the largest debits ahead of smaller debits because if they can cause the account to drop below 0 for even ONE SECOND, they assess a $24 courtesy pay fee PER TRANSACTION. Meanwhile, they have electronic credits waiting to be posted that more than cover the debits. This is absolutely unethical and underhanded. Are they willing to work with the customer? No. Our business checking account dipped MOMENTARILY to a -$2.85 for ONE second and they charged us $24 courtesy pay fee. Then they posted the electronic credits!

Do NOT do business with RBFCU. Lots of customers are complaining. Don't wait until you are a victim. Don't do business with them!



Health Grade Components

NCUA #8111
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD10.6%
Annual Interest Income$72.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$8.84B$8.13B
LoansQ1 2018vs Q1 2017$6.88B$5.96B
DepositsQ1 2018vs Q1 2017$7.13B$6.56B
Equity CapitalQ1 2018vs Q1 2017$1.05B$956.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$33.1MM$27.1MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$22.9MM$19.4MM
Real Estate OwnedQ1 2018vs Q1 2017$245.00K$278.00K
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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

0.40%--IRA Savings

Randolph-Brooks Federal Credit Union Money Market Rates

1.16%*$2.5k*$10kChoice Money Market
OTHER TIERS: 0.55% $25k+ | 0.65% $10k - $25k
0.55%$2.5k-Classic Money Market

Randolph-Brooks Federal Credit Union Checking Account Rates

0.05%--Really Free Checking

Randolph-Brooks Federal Credit Union CD Rates

3.20%$1k-84 Month CD
3.04%$1k-72 Month CD
2.99%$1k-60 Month CD
2.48%$1k-48 Month CD
2.38%$1k-18 Month Super Saver CD
2.32%$1k-36 Month CD
2.27%$1k-24 Month CD
2.02%$1k-12 Month CD
1.21%$1k-6 Month CD

Randolph-Brooks Federal Credit Union IRA Rates

3.20%$1k-84 Month IRA
3.04%$1k-72 Month IRA
2.99%$1k-60 Month IRA
2.48%$1k-48 Month IRA
2.38%$1k-18 Month Super Saver IRA
2.32%$1k-36 Month IRA
2.27%$1k-24 Month IRA
2.02%$1k-12 Month IRA
1.21%$1k-6 Month IRA


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