At a glance

4.2

Bankrate Score

CDs

Checking

Savings

MMA

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Overview

Randolph-Brooks Federal Credit Union (RBFCU) could be an ideal choice for Texans looking for a full-service credit union with several options for savers and a relatively fee-free checking account. The credit union offers many ways to become a member.

Highlights

Free Checking
No Monthly Fees

Overall

Randolph-Brooks Federal Credit Union is one of the largest credit unions in the state of Texas and has a full suite of banking and lending products. The credit union offers a range of share certificate terms as well as a free checking account. Randolph-Brooks also offers money market accounts and a savings account, all with no monthly service fees, but higher yields can be found elsewhere.

Pros

The credit union offers a range of certificate terms from six months to seven years.
Members have access to nearly 30,000 ATMs within the CO-OP network.
Digital wallet access, early direct deposit, free bill pay and account alerts are available.
The credit union’s website lets you schedule a branch appointment.

Cons

The credit union doesn’t offer any specialty certificates.
There’s no check writing available with the credit union’s money market accounts.
Zelle is not available.
The savings account yield is below average.

We want to know what you think about Randolph-Brooks Federal Credit Union

Do you have experience with Randolph-Brooks Federal Credit Union? Let us know your thoughts.

Randolph-Brooks Federal Credit Union banking products

3.5

/5

See methodology Compare savings rates

SCORE BREAKDOWN

APY offering:

0.30%

2/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Minimum balance for APY:

$1.00

5/5

The lowest deposit amount an account must have before it can earn interest.

Monthly service fee:

$0.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$0.00

5/5

The lowest balance an account must maintain in order to avoid a fee.

Access to funds:

Great

5/5

A procedure that allows an individual or organization to access and manage the funds of another account holder.

FEATURES

0.30% APY

APY last updated between 11/13 and 11/19.

$1 minimum balance for APY

$1 minimum deposit to open

Randolph-Brooks Federal Credit Union savings overview

Just $1 is needed to open and maintain a regular savings account and membership with RBFCU. No monthly service fee is charged.

The account is a low-cost savings option, but it pays a yield below the national average (which is already very low). Consumers searching for the most competitive savings APYs will want to shop around, however.

Only six online or phone transfers per month are permitted. But after the sixth transfer of the month, additional transfers can be made at a Randolph-Brooks Federal Credit Union branch.

Pros

The account only requires $1 to open.
There are no monthly service fees.

Cons

The account pays more than the national average, but better rates can be found.
Transfers are limited to six per month.

Rate history for Randolph-Brooks Federal Credit Union'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

APY

APY last updated between 11/13 and 11/19.

National average APY

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

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

APY

APY last updated between 11/13 and 11/19.

National average APY

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

4.3

/5

See methodology Compare CD rates

SCORE BREAKDOWN

APY offering:

3.95%

4/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

Minimum deposit:

$1,000.00

4/5

The minimum deposit amount a financial institution requires in order to open a CD.

Range of term lengths:

6 mos – 5 yrs

5/5

A designated amount of time that funds must be held within a CD.

Early withdrawal penalty:

Great

5/5

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

Offer no-penalty or bump-up CDs:

No

0/5

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

Offer IRA CDs:

Yes

5/5

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

FEATURES

3.50% – 3.99% APY

APY last updated between 11/13 and 11/19.

$1,000 minimum balance for APY

$1,000 minimum deposit to open

6 months – 5 years

Randolph-Brooks Federal Credit Union CD overview

Certificate terms at RBFCU range from six months to seven years. Annual percentage yields depend on the size of the deposit, and most of the yields are competitive. Though rates increase with the amount deposited, all certificate rates are well above the national average.

Certificate terms are listed in ranges, such as six to 11 months and 12 to 23 months. Besides the standard certificates, there’s an 18-month SuperSaver Certificate paying a slightly higher yield across all balances. All certificates require at least $1,000 to open and earn interest.

Despite offering a wide range of certificate terms, the credit union doesn’t offer any specialty certificates, such as a no-penalty certificate.

Pros

All certificates require a manageable $1,000 deposit to open.
The credit union offers a range of CD terms from six months to seven years.
Rates are competitive for all certificate tiers.

Cons

The credit union doesn’t offer any specialty certificates.

Rate history for Randolph-Brooks Federal Credit Union'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

APY

APY last updated between 11/13 and 11/19.

National average APY

Term length

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

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

APY

APY last updated between 11/13 and 11/19.

National average APY

Term length

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

3.7

/5

See methodology Compare MMA rates

SCORE BREAKDOWN

APY offering:

1.82%

3/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Minimum balance for APY:

$2,500.00

3/5

The lowest balance an account must maintain in order to earn interest.

Monthly service fee:

$0.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$0.00

5/5

The lowest amount an account must maintain in order to avoid a fee.

Check writing:

Yes

5/5

The ability to write a certain amount of checks within a statement cycle.

Debit/ATM access:

Subpar

2/5

The ability to withdraw funds from an account through the use of debit or ATM card.

Randolph-Brooks Federal Credit Union money market overview

RBFCU offers two types of money market accounts: the Classic Money Market account and the Choice Money Market account.

For the Classic Money Market account, the same APY is offered on balances of $2,500 or more. With the Choice Money Market account, a tiered rate structure applies. At the time of Bankrate’s review, the $2,500-$10,000 tier earned the account’s highest APY, followed by the $10,000-$25,000 tier. Balances of $25,000 or more earned the lowest APY.

RBFCU’s top-tier APY for the Choice Money Market account was above the national average at the time of Bankrate’s review, though you can find higher yields at other institutions.

A $2,500 minimum balance is required to open each money market account, and neither charges a monthly service fee. If the account balance falls below $2,500, it will convert to a standard savings account and earn a much lower rate. The credit union doesn’t offer check writing with its money market accounts.

Pros

No monthly service fee is charged for either account.
The Choice account gives savers the opportunity to earn a high yield on a portion of their balances.

Cons

The Choice Money Market Account top-tier yield is lower than a few online banks.
There’s no check-writing available.

4.6

Bankrate Score

Compare top checking rates

Randolph-Brooks Federal Credit Union checking overview

RBFCU’s Really Free Checking Account is a low-cost account that pays some interest. There are no minimum balance requirements or monthly charges for keeping the account open.

The credit union has its own ATMs and is a member of the CO-OP ATM network, giving members free access to more than 30,000 ATMs.

Members have access to online bill pay and free standard checks via online ordering. Zelle isn’t available, but customers can make peer-to-peer transactions through the RBFCU’s feature called Move Money on its website and mobile app.

The credit union has early direct deposit, which allows members to get their paycheck up to two days early. A few overdraft protection options are available, and the $24 overdraft fee is a bit below the national average. But some banks have eliminated overdraft fees entirely.

Pros

There is no monthly maintenance fee.
Members can get paid up to two days early.
The account earns some interest on all balances.

Cons

There’s a $24 overdraft and NSF fee.

Compare Offer

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

About Randolph-Brooks Federal Credit Union

Randolph-Brooks Federal Credit Union was founded in 1952. What began as a financial institution for members of the military and their families is now one of the largest credit unions in Texas.

RBFCU today provides services to more than 1 million members. Membership in the credit union is open to others outside the military.

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. Members hoping to get in touch with the bank can call and contact a member service representative or send an email. Different phone numbers are listed on the website depending on the product or service you need assistance with, but 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, but receives OK scores on 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.

How Randolph-Brooks Federal Credit Union compares to other banks

Compare different account types offered by Randolph-Brooks Federal Credit Union. Annual percentage yields (APYs) shown were updated between Nov. 13, 2024 and Nov. 19, 2024.

Selected bank Randolph-Brooks Federal Credit Union savings account NCUA Insured Bankrate score Rating: 3.5 stars out of 5 3.5 Bankrate Savings rating = 3.5/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.	Most comparable Charles Schwab Bank savings account Member FDIC Bankrate score Rating: 3 stars out of 5 3.0 Bankrate Savings rating = 3.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate Savings rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Nov. 13, 2024 and Nov. 19, 2024.
0.30%	0.15%
Minimum balance for APY
$1.00	$0.00
Estimated earnings Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$150	$75

Just $1 is needed to open and maintain a regular savings account and membership with RBFCU. No monthly service fee is charged. The account is a low-cost savings option, but it pays a yield below the national average (which is already very low). Consumers searching for the most competitive savings APYs will want to shop around, however. Only six online or phone transfers per month are permitted. But after the sixth transfer of the month, additional transfers can be made at a Randolph-Brooks Federal Credit Union branch.	Charles Schwab Bank’s Investor Savings account requires no minimum balance, charges no monthly service fees and provides unlimited ATM fee rebates worldwide. Ways to add funds to the account include setting up direct deposit, making transfers from other bank accounts or making a mobile check deposit — although there’s no way to deposit cash into the account. The account pays an APY that’s below average, as many other online banks offer much higher savings yields.

The account only requires $1 to open There are no monthly service fees	There are no monthly fees or minimums Customers get unlimited ATM rebates worldwide	N/A
The account pays more than the national average, but better rates can be found Transfers are limited to six per month	Significantly higher APYs can be found elsewhere New customers need to complete a paper application Cash deposits are not an option	N/A

APY offering: 0.30% 2/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. Minimum balance for APY: $1.00 5/5 The lowest deposit amount an account must have before it can earn interest. Monthly service fee: $0.00 5/5 A monthly charge a financial institution deducts from an account if certain requirements are not met. Minimum balance to avoid fee: $0.00 5/5 The lowest balance an account must maintain in order to avoid a fee. Access to funds: Great 5/5 A procedure that allows an individual or organization to access and manage the funds of another account holder.	APY offering: 0.15% 1/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. Minimum balance for APY: $0.00 5/5 The lowest deposit amount an account must have before it can earn interest. Monthly service fee: $0.00 5/5 A monthly charge a financial institution deducts from an account if certain requirements are not met. Minimum balance to avoid fee: $0.00 5/5 The lowest balance an account must maintain in order to avoid a fee. Access to funds: Great 5/5 A procedure that allows an individual or organization to access and manage the funds of another account holder.	APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. The lowest deposit amount an account must have before it can earn interest. A monthly charge a financial institution deducts from an account if certain requirements are not met. The lowest balance an account must maintain in order to avoid a fee. A procedure that allows an individual or organization to access and manage the funds of another account holder. Bankrate does not currently track additional product details for this bank.

Selected bank Randolph-Brooks Federal Credit Union CD NCUA Insured Bankrate score Rating: 4.3 stars out of 5 4.3 Bankrate CD rating = 4.3/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.	Most comparable USAA Bank CD Member FDIC Bankrate score Rating: 3.5 stars out of 5 3.5 Bankrate CD rating = 3.5/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Nov. 13, 2024 and Nov. 19, 2024.
3.95%	2.75%
Minimum deposit
$1,000.00	$1,000.00
Term
1 yr	9 mos

RBFCU offers tiered CDs, meaning higher balances earn higher yields. Terms range from six months to seven years. All CDs require at least $1,000 to open. All CDs come with robust yields, but the highest rates can be found on the shorter terms.	USAA Bank offers fixed-term CDs ranging from 30 days to seven years. It also offers CDs with adjustable and variable rates, giving savers the chance to get a higher APY should rates rise. Standard and adjustable CDs require $1,000 to open, while the two variable rate CD terms only require $250 each. CDs can be opened online or through the mobile app. Yields are competitive on several terms, particularly 182-day and nine-month terms, while others offer a bare minimum APY. The jumbo CDs pay the same rate as the standard CDs as of this review. Penalty fees are charged for early withdrawals and range from 30 days to 365 days of interest, depending on the term length.

There is a wide range of CD terms to choose from. All CDs come with robust yields.	USAA offers a wide range of CD terms, which helps consumers with short- or long-term savings goals or who want to build a CD ladder Opening deposit requirements are reasonable Some terms pay competitive yields	N/A
Some banks require less than $1,000 to open a CD. The credit union doesn’t offer specialty CDs.	There are no penalty-free CD products available You can find more competitive rates for certain terms elsewhere	N/A

APY offering: 3.95% - 1 yr 4/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. Minimum deposit: $1,000.00 4/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 6 mos - 5 yrs 5/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Great 5/5 A penalty incurred when funds have been withdrawn from a CD before its maturity date. Offer no-penalty or bump-up CDs: No 0/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: Yes 5/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.	APY offering: 2.75% - 9 mos 3/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. Minimum deposit: $1,000.00 4/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 1 mo - 5 yrs 5/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Average 3/5 A penalty incurred when funds have been withdrawn from a CD before its maturity date. Offer no-penalty or bump-up CDs: No 0/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: No 0/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.	APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. The minimum deposit amount a financial institution requires in order to open a CD. A designated amount of time that funds must be held within a CD. A penalty incurred when funds have been withdrawn from a CD before its maturity date. A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. An IRA account which consists of CDs that typically earns fixed interest over a specified period of time. Bankrate does not currently track additional product details for this bank.

Selected bank Randolph-Brooks Federal Credit Union money market account NCUA Insured Bankrate score Rating: 3.7 stars out of 5 3.7 Bankrate Money Market rating = 3.7/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.	Most comparable CIT Bank money market account Member FDIC Bankrate score Rating: 3.9 stars out of 5 3.9 Bankrate Money Market rating = 3.9/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate Money Market rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Nov. 13, 2024 and Nov. 19, 2024.
1.82%	1.55%
Minimum balance for APY
$10,000.00	$100.00
Estimated earnings Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$910	$775

RBFCU offers two types of money market accounts: the Classic Money Market account and the Choice Money Market account. For the Classic Money Market account, the same APY is offered on balances of $2,500 or more. With the Choice Money Market account, a tiered rate structure applies. At the time of Bankrate’s review, the $2,500-$10,000 tier earned the account’s highest APY, followed by the $10,000-$25,000 tier. Balances of $25,000 or more earned the lowest APY. RBFCU’s top-tier APY for the Choice Money Market account was above the national average at the time of Bankrate’s review, though you can find higher yields at other institutions. A $2,500 minimum balance is required to open each money market account, and neither charges a monthly service fee. If the account balance falls below $2,500, it will convert to a standard savings account and earn a much lower rate. The credit union doesn’t offer check writing with its money market accounts.	CIT Bank’s Platinum Savings account earns a competitive yield on balances of $5,000 or more. Lower balances earn an APY that’s below the national average. The account requires a low minimum opening deposit, and it doesn’t charge monthly maintenance fees.

No monthly service fee is charged for either account The Choice account gives savers the opportunity to earn a high yield on a portion of their balances	The Platinum Savings account earns a competitive rate on balances of $5,000 or more. There’s no monthly maintenance fee.	N/A
The Choice Money Market Account top-tier yield is lower than a few online banks There’s no check-writing available	With a balance under $5,000, you’ll earn an APY below the national average. The account doesn’t come with ATM access.	N/A

APY offering: 1.82% 3/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. Minimum balance for APY: $2,500.00 3/5 The lowest deposit amount an account must have before it can earn interest. Monthly service fee: $0.00 5/5 A monthly charge a financial institution deducts from an account if certain requirements are not met. Minimum balance to avoid fee: $0.00 5/5 The lowest balance an account must maintain in order to avoid a fee. Check writing: Yes 5/5 The ability to write a certain amount of checks within a statement cycle. Debit/ATM access: Subpar 2/5 The ability to withdraw funds from an account through the use of debit or ATM card	APY offering: 1.55% 3/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. Minimum balance for APY: $100.00 5/5 The lowest deposit amount an account must have before it can earn interest. Monthly service fee: $0.00 5/5 A monthly charge a financial institution deducts from an account if certain requirements are not met. Minimum balance to avoid fee: $0.00 5/5 The lowest balance an account must maintain in order to avoid a fee. Check writing: Yes 5/5 The ability to write a certain amount of checks within a statement cycle. Debit/ATM access: Subpar 2/5 The ability to withdraw funds from an account through the use of debit or ATM card	APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. The lowest deposit amount an account must have before it can earn interest. A monthly charge a financial institution deducts from an account if certain requirements are not met. The lowest balance an account must maintain in order to avoid a fee. The ability to write a certain amount of checks within a statement cycle. The ability to withdraw funds from an account through the use of debit or ATM card Bankrate does not currently track additional product details for this bank.

Learn more: The best banks of 2024

Randolph-Brooks Federal Credit Union FAQs

Although RBFCU started as a credit union for military members and their families, membership is now open to the general public. Whether you can join depends on where you live, work, worship, attend school or have other affiliations, but you don’t have to live in Texas to join. Having an immediate family member who’s a member of the credit union is another way to qualify for membership.

All of this noted, RBFCU is best suited for those living in Texas, since that’s where all of RBFCU’s branches are located.
Yes. Randolph-Brooks Federal Credit Union is insured by the National Credit Union Association and its savings accounts are insured for up to the amount allowed by law: $250,000 per depositor, per account type.

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

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.

Date Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.	Randolph-Brooks Federal Credit Union APY APY last updated between 11/13 and 11/19. APY last updated between 11/13 and 11/19	National average APY The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.
11/05/2024	0.30%	0.56%
10/01/2024	0.30%	0.57%
09/03/2024	0.30%	0.61%
05/07/2024	0.30%	0.59%
04/02/2024	0.30%	0.58%
03/05/2024	0.30%	0.57%
01/02/2024	0.30%	0.58%
12/05/2023	0.30%	0.57%
11/21/2023	0.30%	0.61%

Date Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.	Randolph-Brooks Federal Credit Union APY APY last updated between 11/13 and 11/19. APY last updated between 11/13 and 11/19	National average APY The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.
10/01/2024	3.71%	1.42%
09/03/2024	3.82%	1.43%
08/06/2024	3.82%	1.44%
07/02/2024	3.82%	1.42%
06/04/2024	3.82%	1.43%
04/02/2024	3.82%	1.42%
03/12/2024	3.82%	1.43%
02/06/2024	3.82%	1.42%
01/09/2024	3.82%	1.43%
12/05/2023	3.80%	1.43%
11/21/2023	3.80%	1.45%

Randolph-Brooks Federal Credit Union Review 2024

The Bankrate promise

At a glance

Overview

Highlights

Overall

Pros

Cons

We want to know what you think about Randolph-Brooks Federal Credit Union

Randolph-Brooks Federal Credit Union banking products

Randolph-Brooks Federal Credit Union savings overview

Pros

Cons

Rate history for Randolph-Brooks Federal Credit Union's Savings account

Randolph-Brooks Federal Credit Union CD overview

Pros

Cons

Rate history for Randolph-Brooks Federal Credit Union's CD accounts

Randolph-Brooks Federal Credit Union money market overview

Pros

Cons

Randolph-Brooks Federal Credit Union checking overview

Pros

Cons

Bank fees

About Randolph-Brooks Federal Credit Union

Customer experience

How Randolph-Brooks Federal Credit Union compares to other banks

Randolph-Brooks Federal Credit Union FAQs

Can anyone join RBFCU?

Is Randolph-Brooks Federal Credit Union safe?

Review methodology

Up next