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 December of 2023, it had grown to 544 employees and 267,868 members at 23 locations. Robins Financial Credit Union's money market rates are 3X the national average, and it has 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
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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?
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.
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.
Reward Members
I have been with Robins for about 3 years. I love the CD promotions. It allowed me to earn as much as 2.50% on my money. I recently renewed a 2 yr CD for 4 yrs. It was a surprise to have money deposited in my account for being a member. No other banking institution has ever done that.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68670 |
| Year Chartered | 1954 |
| Employees | 544 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.41% |
| Return on Equity - YTD | 10.61% |
| Annual Interest Income | $157.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2023vs Q4 2022 | $4.33B$4.33B |
| Loans | Q4 2023vs Q4 2022 | $2.54B$2.34B |
| Deposits | Q4 2023vs Q4 2022 | $3.65B$3.8B |
| Equity Capital | Q4 2023vs Q4 2022 | $568.8MM$475.5MM |
| Loan Loss Allowance | Q4 2023vs Q4 2022 | $25.2MM$21.4MM |
| Unbacked Noncurrent Loans | Q4 2023vs Q4 2022 | $8.2MM$6.4MM |
| Real Estate Owned | Q4 2023vs Q4 2022 | $26K$0 |
