Randolph-Brooks Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.48%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD
2.38%	4-year CD	48 Month CD 2.40% - Goldman Sachs Bank USA High-yield 4 Year CD
2.12%	3-year CD	36 Month CD 2.35% - Goldman Sachs Bank USA High-yield 3 Year 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 13^th largest credit union in the nation. It was established in 1952 and as of December of 2017, it had grown to 1,863 employees and 724,559 members at 58 locations. Randolph-Brooks Federal Credit Union's CD rates are 79% 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

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

5

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

3

DO NOTE BANK WITH RBFCU

Posted by: FraudExaminer | Nov 3, 2017

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!

Comment

6

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Health

A+

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	8111
Year Chartered	1952
Employees	1863
Primary Regulator

Profit Margin
Return on Assets - YTD	1.16%
Return on Equity - YTD	9.54%
Annual Interest Income	$259.9MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$8.65B$7.75B
Loans	Q4 2017vs Q4 2016	$6.68B$5.95B
Deposits	Q4 2017vs Q4 2016	$6.85B$6.27B
Equity Capital	Q4 2017vs Q4 2016	$1.04B$930.4MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$31.3MM$26.0MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$31.2MM$25.2MM
Real Estate Owned	Q4 2017vs Q4 2016	$245.00K$477.00K

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