Overview / Commentary
803 Watson Blvd
Warner Robins, GA 31093

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 97th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 426 employees and 201,014 members at 21 locations. Robins Financial Credit Union's money market rates are 2X 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 Baldwin, Barrow, Bibb, Bleckley, Butts, Clarke, Crawford, Crisp, Dodge, Dooly, Emanuel, Henry, Houston, Jackson, Jeff Davis, Jones, Larmar, Laurens, Macon, Madison, Monroe, Oconee, Peach, Pulaski, Putnam, Taylor, Telfair, Twiggs, Wilcox or Wilkinson Counties in Georgia.
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Reviews (3)

Robins FCU Checking and Savings Review

Posted by: Hostetler | Sep 28, 2016

I've been banking with Robins Federal Credit Union for over 8 years now and have yet to have a single issue in regards my checking and savings accounts deposits and transfers. I receive funding from six different sources throughout every year and have never had an issue with any of my deposits. As far as fees are concerned, I haven't been charged with a single fee for having a checking or savings account, so I'm unsure if fees even exist for having these accounts with Robins Federal. Any time you have a question or concern regarding either of your accounts, Robins is available M-F in person, online or via phone. Their customer service phone department can have long waits during lunch hours, otherwise I typically get through between 2-5 minutes.

Robins FCU Is Great!

Posted by: orion365 | Mar 5, 2011

My family and I have banked with Robins Federal Credit Union for many many years.  They have always treated us well and addressed any questions / problems we may had.  The service is usually swift, whether you are using the drive through or the walk up teller.  The loan department is amazing, and we've gotten quick approvals when applying for loans.  My favorite part is their website.  It allows us complete account access, with real time information that helps us make critical financial decisions without a lot of research.  We have used this service to track payments / checks / debits, as well as track open loans.  The login is easy and the interface is easily navigated.  It’s not as complicated as some bank software I have used in the past.  I hope they never change, and continue to provide us with great service for years to come.  We’ve been more than impressed with them.

Holding Pay Checks

My mobile deposit pay check is being held "5 business days" which is really 7 business days. I was told they do not know if the funds will be available for this check. However, they told my husband last week when he deposited a check they were holding it because they outsource check processing from their own atms, if he would have come inside they could tell him immediately and the check would be released. I moved out of the banking area, but stayed with this bank because of the excellent customer service. However, I work for a living and depend on my pay. I cannot use a company with twisted policies.


Health Grade Components

NCUA #68670
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.67%
Return on Equity - YTD9.81%
Annual Interest Income$58.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$2.51B$2.38B
LoansQ3 2018vs Q3 2017$1.69B$1.45B
DepositsQ3 2018vs Q3 2017$2.04B$1.93B
Equity CapitalQ3 2018vs Q3 2017$426.2MM$405.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$11.3MM$10.7MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$5.9MM$6.2MM
Real Estate OwnedQ3 2018vs Q3 2017$0$44.00K
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Always verify rates and promotions with the bank or credit union. We are not Robins Financial 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.

Robins Financial Credit Union Savings Account Rates

0.75%--IRA Account
0.50%--Savings Account
0.50%$100-MyMoney MyWay Savings

Robins Financial Credit Union Money Market Rates

1.00%*$100k*-Prestige Money Market Account
OTHER TIERS: 0.60% $2.5k - $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 0.85% $50k - $100k

Robins Financial Credit Union Checking Account Rates

0.75%$10k-Advantage Checking Account

Robins Financial Credit Union CD Rates

2.75%$100$5k15 Month Super Saver
2.50%$500-4 Year Share Certificate
2.30%$500-3 Year Share Certificate Special
2.15%$500-11 Month CD Special
1.50%$500-5 Year Share Certificate
1.05%$500-2 Year Share Certificate
1.00%$500-18 Month Share Certificate
0.75%$500-1 Year Share Certificate
0.75%$100$10k12 Month Easy Save Share Certificate
0.65%$500-6 Month Share Certificate

Robins Financial Credit Union IRA Rates

2.50%$500-4 Year IRA Certificate
2.30%$500-3 Year IRA Certificate Special
2.15%$500-11 Month IRA Certificate Special
1.50%$500-5 Year IRA Certificate
1.05%$500-2 Year IRA Certificate
1.00%$500-18 Month IRA Certificate
0.75%$500-1 Year IRA Certificate
0.75%$100$10k12 Month Easy Save IRA Certificate
0.65%$500-6 Month IRA Certificate


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