Randolph-Brooks Federal Credit Union Review 2025
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At a glance
Overview
While qualifying for membership at some credit unions can be a bit difficult, that’s not the case with Randolph-Brooks Federal Credit Union (RBFCU). There are more than 5,000 ways to satisfy eligibility requirements for the Texas-based credit union, including where you live, where you go to church, where your kids go to school and other factors. However, just because you can join doesn’t mean you should: The credit union’s savings rates are much lower than many other banks.
Highlights:
Free Checking Low Min Deposit No Monthly FeesHighlights:
CDs
Checking
Savings
MMA
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These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.2/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
Randolph-Brooks Federal Credit Union is a huge credit union that serves more than 1 million members, the majority of whom live in Texas. The credit union has physical branches in four major metro areas of the Lone Star State – Austin, Corpus-Christi, Dallas-Fort Worth and San Antonio. In addition to offering all the standard deposit services, the credit union offers mortgages, credit cards, loans and investment tools.
Pros
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Members can get in-person assistance at more than 60 branches in Texas.
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Members have access to nearly 30,000 ATMs within the CO-OP network.
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The RBFCU mobile app has high marks on both the Apple Store and Google Play.
Cons
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The credit union still charges overdraft fees and non-sufficient funds fees, which isn’t exactly in line with its mission of improving members’ economic well-being.
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You can find higher rates on savings and money market accounts at many other banks.
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You’ll need a higher balance to qualify for the best rates on money market accounts and CDs.
Randolph-Brooks Federal Credit Union banking products
Randolph-Brooks Federal Credit Union savings overview
Pros
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The account only requires $1 to open.
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There are no monthly service fees.
Cons
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The savings account pays a paltry 0.30% APY, which is a fraction of what you’ll find at some other banks and credit unions.
Rate history for RBFCU's Savings account
See how rates for this account have changed over time. Interact with the trend lines to view APY by date.
Randolph-Brooks Federal Credit Union CD overview
Pros
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All certificates require a manageable $1,000 deposit to open.
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The credit union offers a range of CD terms from six months to seven years.
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Rates are competitive for all certificate tiers.
Cons
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Qualifying for the best rate requires a minimum deposit of $75,000.
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Interest compounds monthly (daily compounding, which can be found elsewhere, provides higher returns).
Rate history for RBFCU's CD accounts
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Randolph-Brooks Federal Credit Union money market overview
Pros
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No monthly service fee is charged for either account.
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You can make unlimited withdrawals at a branch that do not apply for the monthly transaction limit.
Cons
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You can wind up paying an insufficient funds fee if your balance drops below $2,500, which isn’t nearly as consumer-friendly as most credit unions.
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The tiered rate structure is confusing – you’ll earn a higher APY on lower balances with the Choice Money Market Account, while the inverse is true for the Classic Money Market Account.
Randolph-Brooks Federal Credit Union checking overview
Pros
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There is no monthly maintenance fee.
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Members can get paid up to two days early, although this feature is becoming increasingly common at other financial institutions.
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Free standard checks are available.
Cons
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The bank isn’t part of the Zelle network, which is one of the most convenient ways to send money to friends and family, although you can use its proprietary Move Money tool to send cash.
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While the 0.05% APY is better than a lot of big banks, it’s still lower than some other checking accounts.
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You could still wind up paying overdraft and insufficient funds fees.
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $24 |
| Non-sufficient funds fee | $24 |
| Monthly maintenance fees | None |
| Out-of-network ATM fee | $1 |
| Inactive account fee | $5 |
| Foreign transaction fee | None |
Customer experience
Physical presence. Randolph-Brooks Federal Credit Union has more than 60 branch locations, all in Texas. There’s surcharge-free access to all ATMs (nearly 30,000) within the CO-OP network.
Customer service. The Member Service Center is available from 8 a.m. to 6 p.m. Monday through Friday, and from 8:30 a.m. to 4 p.m. on Saturdays. Branch appointments can also be scheduled from the website.
Mobile app. RBFCU’s mobile app is highly rated on the Apple App Store and the Google Play Store. On the app, you can check your balance, make a payment, deposit a check, find an ATM near you and make peer-to-peer payments through RBCFU’s Move Money. RBFCU members with cards can also use mobile wallets, including Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
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Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
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