Robins Financial Credit Union

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 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

Related Posts

Robins Financial Credit Union (GA) Adds 7-Month CD Special - 3/7/2024

Robins Financial Credit Union (45 Georgia counties) has a new competitive 7-month Share Certificate Special in celebration of its 70th anniversary $500 minimum deposit.

Robins Financial Credit Union (GA) Offers Rate-Leading 5-Year CD - 7/14/2023

Robins Financial Credit Union (45 Georgia counties) significantly increased its 5-year Share Certificate APY to a rate-leading level. $500 minimum deposit.

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Best Banking Institution Ever

Posted by: |

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

Posted by: |

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

Posted by: |

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

NCUA #68670
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD10.61%
Annual Interest Income$157.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$4.33B$4.33B
LoansQ4 2023vs Q4 2022$2.54B$2.34B
DepositsQ4 2023vs Q4 2022$3.65B$3.8B
Equity CapitalQ4 2023vs Q4 2022$568.8MM$475.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$25.2MM$21.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$8.2MM$6.4MM
Real Estate OwnedQ4 2023vs Q4 2022$26K$0
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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
0.35%--Savings Account

Robins Financial Credit Union Money Market Rates

1.50%*$100k*-Prestige Money Market Account
OTHER TIERS: 0.60% $2.5k - $25k | 0.65% $25k - $50k | 0.90% $50k - $100k

Robins Financial Credit Union Checking Account Rates

0.40%$10k-Advantage Checking Account

Robins Financial Credit Union CD Rates

4.70%$500-7 Month Share Certificate Special
3.25%$100$5k15 Month Super Saver
2.55%$500-3 Year Share Certificate
2.55%$500-4 Year Share Certificate
2.55%$500-5 Year Share Certificate
2.40%$500-2 Year Share Certificate
2.35%$500-18 Month Share Certificate
1.15%$500-1 Year Share Certificate
1.15%$100$10k12 Month Easy Save Share Certificate
1.00%$500-6 Month Share Certificate

Robins Financial Credit Union IRA Rates

4.70%$500-7 Month IRA Certificate Special
2.55%$500-3 Year IRA Certificate
2.55%$500-4 Year IRA Certificate
2.55%$500-5 Year IRA Certificate
2.40%$500-2 Year IRA Certificate
2.35%$500-18 Month IRA Certificate
1.15%$500-1 Year IRA Certificate
1.15%$100$10k12 Month Easy Save IRA Certificate
1.00%$500-6 Month IRA Certificate


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