Robins Financial Credit Union is headquartered in Warner Robins and is the 2nd largest credit union in the state of Georgia. It is also the 87th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 555 employees and 272,531 members at 23 locations. Robins Financial Credit Union's money market rates are 3X the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
Membership in Robins Financial Credit Union is open to those who live or work in the Georgia counties of Baldwin, Barrow, Bibb, Bleckley, Bulloch, Butts, Clarke, Clayton, Crawford, Crisp, DeKalb, Dodge, Dooly, Emanuel, Greene, Gwinnett, Hancock, Henry, Houston, Jackson, Jasper, Jeff Davis, Johnson, Jones, Lamar, Laurens, Macon, Madison, Monroe, Morgan, Newton, Oconee, Oglethorpe, Peach, Pulaski, Putnam, Rockdale, Spalding, Taylor, Telfair, Twiggs, Walton, Washington, Wilcox, or Wilkinson.
See current membership details
Best Banking Institution Ever
Banking since 1969, I've easily dealt with over 100 banks and credit unions. I've been with Robins since 2017 and it's the BEST EVER. I've never paid a fee for anything, and even get free checks (a special deal for seniors).
Their website works just fine, and their staff -- though sometimes hard to get on the phone -- has always been very pleasant and helpful, especially their Swainsboro, GA office. I've even gotten those folks to witness a revision to my Will (hard to find 3 witnesses plus a free notary in the same place), which is what one must do in GA for Wills.
There's more. I love their mobile check deposit feature and I enjoy multiple ACH-links to enable easy sweeps of idle cash from my Robins checking account to higher-paying online banks. Ironically, today, I'm moving a whack of cash into Robins's 5.00% APY 5-yr CD (yep, they run specials from time to time).
Finally, I've never had a credit union pay me an annual "dividend" each year like Robins does. That's right. Robins drops about $90 or so into my account at the end of each year because it is, after all, a cooperative, so it "shares the wealth!" Who does that?
Commercial Borrower
Robbins does not seem to care much for their borrowers. They take full advantage of being in control and choose not to work out any compromise with their borrowers.
They said they would help out during the Covid-19 crisis but only added interest to the deal without notifying me. After I asked about it they simply said too bad.
During a time when companies, businesses and individuals were hurting they showed no empathy or willingness to help out.
I bet they got money from the Government to help.
They should be investigated.
Main Office Closed On Saturday 12/18/21
Why in the world would the main office on Watson Blvd be closed on Saturday? Saturday is the only day hardworking middle GA residents can make it to the bank. Now we are subject to sit in long lines burning our expensive gas for 20 minutes or more each visit. Come on man!!
Bank Overdraft
I mobile deposit a check from the IRS made payable to me and my husband. Robins rejected it saying my husband name need to be on my account. I was told all bank request the same. It causes me a $25 fee because they did not take the deposit. My husband immediately took the check to his bank. Gave it to a teller and he was immediately given credit for the full IRS check. He immediately Zelle me the full amount of the check and it showed up in my account immediately. Was this a way to get a return fee from me. I think so. Don’t like it.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68670 |
| Year Chartered | 1954 |
| Employees | 555 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.77% |
| Return on Equity - YTD | 12.13% |
| Annual Interest Income | $51.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $4.74B$4.47B |
| Loans | Q1 2025vs Q1 2024 | $2.71B$2.51B |
| Deposits | Q1 2025vs Q1 2024 | $4.02B$3.82B |
| Equity Capital | Q1 2025vs Q1 2024 | $681.8MM$582.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $25.7MM$25.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $6.6MM$7.4MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
