Randolph-Brooks Federal Credit Union (RBFCU) Review, 2019

See how RBFCU's interest rates stack up against the national average.

Published September 6, 2019

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Randolph-Brooks Federal Credit Union (RBFCU) is a federally chartered credit union with locations across Texas.

RBFCU savings account and checking account rates

Deposit account interest rates are calculated as an annual percentage yield, or APY.

Rates current as of September 5, 2019.

Type of Deposit AccountDividend RateAPYMinimum Deposit to Open
Savings Account0.25%0.25%$1.00
Really Free Checking Account0.05%0.05%$0.00

Savings account rates national average

ProductAverage Interest Rate, BanksAverage Interest Rate, Credit Unions
Regular savings account, $1,000 deposit0.20.17
Money market account, $2,500 deposit0.260.37
Interest checking account, $1,000 deposit0.140.12

National averages are from S&P Global Market Intelligence as reported by the NCUA. Last updated June 28, 2019.

RBFCU money market accounts

Randolph-Brooks Federal Credit Union money market accounts requires a minimum of $2,500 to open a money market account.

RBFCU Classic Money Market

The Classic Money Market account pays a flat dividend at all deposit amounts.

Deposit AmountDividend RateAPY
$2,500 - $24,9990.60%0.60%
$25,000 - $74,9990.60%0.60%
$75,000 - $149,9990.60%0.60%
$150,000 and up0.60%0.60%

RBFCU Choice Money Market

The Choice Money Market account offers a blended dividend rate at all different amounts.

Deposit AmountDividend RateAPY
$2,500 - $10,0001.20%1.21%
$10,000 - $25,0000.70%0.70%
$25,000 and up0.60%0.60%

Calculate your savings

Use our simple savings calculator to see how much you can save.

RBFCU CD rates

RBFCU allows flexible CD terms lengths with a minimum initial deposit of $1,000.

Certificates of Deposit

Term LengthDividend RateAPYEarly Withdrawal Penalty
Six-month CD1.55%1.56%30 days of earnings
One-year CD1.85%1.87%60 days of earnings
Two-year CD2.15%2.17%120 days of earnings
Three-year CD2.25%2.27%180 days of earnings
Four-year CD2.35%2.38%240 days of earnings
Five-year CD2.45%2.48%300 days of earnings
Six-year CD2.55%2.58%360 days of earnings
Seven-year CD2.65%2.68%420 days of earnings

SuperSaver Certificate

Term LengthDividend RateAPYEarly Withdrawal Penalty
18-month CD1.95%1.97%60 days of earnings

CD rates national average

ProductAverage Interest Rate, BanksAverage Interest Rate, Credit Unions
Three-month CD, $10,000 deposit0.440.58
Six-month CD, $10,000 deposit0.690.95
One-Year CD, $10,000 deposit1.111.42
Two-Year CD, $10,000 deposit1.361.75
Three-Year CD, $10,000 deposit1.521.95
Four-Year CD, $10,000 deposit1.632.14
Five-Year CD, $10,000 deposit1.872.38

National averages are from S&P Global Market Intelligence as reported by the NCUA. Last updated June 28, 2019.

RBFCU IRA Savings Account

An IRA savings account is attached to either a traditional IRA or Roth IRA.

Deposit AmountDividend RateAPY
$0 - $24,9990.40%0.40%
$25,000 - $74,9990.40%0.40%
$75,000 - $149,9990.40%0.40%
$150,000 and up0.40%0.40%

RBFCU fees and how to avoid them

Monthly Service Fee

Type of AccountFee
Savings Account$0
Really Free Checking Account$0
RBFCU Classic Money Market$0
RBFCU Choice Money Market$0

ATM Fees

Type of ATM
Randolph-Brooks ATMs$0
Co-Op Network ATMs$0
Non-RBFCU ATMs$1

Home loans at Randolph-Brooks Federal Credit Union

RBFCU offers several types of home loans, including:

  • Fixed-Rate Mortgages
  • Adjustable-Rate Mortgages (ARMs) (Learn more about ARMs.)
  • FHA Mortgages (Learn more about FHA loans.)
  • VA Mortgages
  • Construction Loans

Mortgage calculator

Before you shop for home loans, try the Policygenius mortgage calculator to estimate how much your monthly mortgage payment will be.

Loans at Randolph-Brooks Federal Credit Union

Auto and truck loans

TermLowest APRHighest APR
24 months to 66 months3.45%18.00%
72 months3.70%18.00%
78 months4.70%18.00%
84 months6.45%18.00%

Learn more about car loans.

Motorcycle loans

TermLowest APRHighest APR
24 months to 36 months4.50%15.00%
48 months to 60 months5.00%15.50%

Learn more about motorcycle loans.

Boat and trailer loans

TermLowest APRHighest APR
36 months4.50%15.00%
60 months5.00%15.50%
66 months to 96 months6.00%16.50%
120 months6.50%17.00%
144 months7.50%18.00%
180 months9.50%18.00%

RV, motor home, and travel trailer loans

TermLowest APRHighest APR
36 months4.50%15.00%
60 months5.00%15.50%
66 months to 96 months6.00%16.50%
120 months6.50%17.00%
144 months7.50%18.00%
180 months9.50%18.00%

Read our guide to RV loans.

ATV, UTV, and personal watercraft loans

TermLowest APRHighest APR
24 months to 36 months4.50%15.00%
48 months to 60 months5.00%15.50%

Read our guide to ATV loans.

Other specialized collateral loans

TermLowest APRHighest APR
60 months7.00%13.00%

Personal loans

Type of LoanTerm RangeAPR Range
Signature loan12 months to 60 months8.00% to 17.50%
Line of credit (Unsecured)NA8.90% to 16.90%

Read more about signature loans.

Home equity products at Randolph-Brooks Federal Credit Union

Home equity line of credit (HELOC)

TermInterest RateAPR
10 years4.75%4.79%

Learn more about whether a home equity line of credit (HELOC) is right for you.

Home equity loans

TermInterest RateAPR
4 years3.20%3.27%
7 years3.25%3.29%
10 years3.35%3.38%
15 years3.50%3.52%
20 years3.80%3.82%
30 years3.95%3.96%

RBFCU credit cards

Name of Credit CardAPRBenefits
CashBack Rewards Credit Card12.150% - 18.000%Earns 2% cash back on all purchases; 0% APR promotional rate for 90 days
Premier Rate Credit Card9.950% - 18.000%No cash back but low APR helps keep balances low; 0% APR promotional rate for 90 days
Business Select Credit Card12.150% - 18.000%Earns 2% cash back on all purchases; 0% APR promotional rate for 90 days

More info about Randolph-Brooks Federal Credit Union

RBFCU is insured by the National Credit Union Administration (NCUA) for up to $250,000 per account per person.

Fast Facts
Routing Number314089681
Established1952
Branch Locations>55
ATM Locations>30,000 Co-Op network ATMs

Holiday Closures

HolidayDateNotes
New Year's DayTuesday, January 1, 2019All locations closed.
Martin Luther King Jr. DayMonday, January 21, 2019All locations closed.
Washington's Birthday (President's Day)Monday, February 18, 2019All locations closed.
Memorial DayMonday, May 27, 2019All locations closed.
Independence Day (Fourth of July)Thursday, July 4, 2019All locations closed.
Labor DayMonday, September 2, 2019All locations closed.
Columbus Day (Indigenous Peoples Day)Monday, October 14, 2019All locations closed.
Veterans DayMonday, November 11, 2019All locations closed.
ThanksgivingThursday, November 28, 2019All locations closed.
Christmas EveTuesday, December 24, 2019All locations close at 1 PM.
Christmas DayWednesday, December 25, 2019All locations closed.

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