Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Randolph Brooks FCU Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 20, 2026
Randolph Brooks FCU's 18 Month SuperSaver CD rates are at 3.80%, 12 - 23 Month CD rates are at 3.75%, 18 Month SuperSaver CD rates are at 3.75%, 24 - 35 Month CD rates are at 3.75%, 6 - 11 Month CD rates are at 3.74%. Randolph Brooks FCU's savings rates are at 0.30%. Randolph Brooks FCU's money market rates are at 0.30%. Randolph Brooks FCU's Jumbo 5/5 ARM rates are at 5.75%, Jumbo ARM (5/5) rates are at 5.75%, 5/5 Adjustable-Rate Mortgage rates are at 5.75%, ARM (5/5) rates are at 5.75%, Jumbo Fixed Rate rates are at 5.75%. Randolph Brooks FCU's Personal Loan Rates are as low as 9.70%. Randolph Brooks FCU's Credit Card Rates are at 11.20%. MonitorBankRates evaluates the financial stability of Randolph Brooks FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.80%. Rates last updated and verified on 09/20/2026.
Randolph Brooks FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Randolph Brooks FCU? Share your experience about Randolph Brooks FCU by leaving a review below, or read customer reviews before you decide to use Randolph Brooks FCU.
Randolph Brooks FCU has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Randolph Brooks FCU has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.80%
ExcellentLower than avg
Randolph Brooks FCU Texas Ratio
Randolph Brooks FCU's Texas Ratio is 4.80%, which is considered excellent and is lower than the national average of 6.13%.
Randolph Brooks FCU has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.45% to 4.80% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsAs Low As; Estimated Payment per $10,000: $58.36
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
5/5 Adjustable-Rate Mortgage
5.75%
-
5.84%
DetailsAs low as; Your interest rate and payment are subject to change (up or down) every five years for the remaining loan term.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
ARM (5/5)
5.75%
-
5.84%
30 years
DetailsAs Low As; Estimated Payment per $10,000: $58.36
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo Fixed Rate
5.75%
-
5.94%
10 years
DetailsAs Low As; Estimated Payment per $10,000: $109.77
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo One-Time Close Construction Loan
5.75%
-
5.99%
10 years
DetailsAs low as; Estimated Payment per $10,000: $109.77
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Conventional Fixed Rate
5.63%
-
6.02%
7 years
DetailsAs Low As; Estimated Payment per $10,000: $144.29
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Conventional Fixed Rate
5.75%
-
6.04%
10 years
DetailsAs Low As; Estimated Payment per $10,000: $109.77
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo Fixed Rate
6.00%
-
6.22%
15 years
DetailsAs Low As; Estimated Payment per $10,000: $84.39
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo One-Time Close Construction Loan
6.00%
-
6.26%
15 years
DetailsAs low as; Estimated Payment per $10,000: $84.39
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Conventional Fixed Rate
6.00%
-
6.28%
15 years
DetailsAs Low As; Estimated Payment per $10,000: $84.39
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
VA Mortgage
5.75%
-
6.41%
15 years
DetailsAs Low As; VA Loan
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo One-Time Close Construction - 10 years Loan
6.38%
-
6.65%
10 years
DetailsAs low as; Estimated Payment per $10,000: $112.91
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo Fixed Rate
6.63%
-
6.68%
20 years
DetailsAs Low As; Estimated Payment per $10,000: $75.30
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo One-Time Close Construction Loan
6.63%
-
6.71%
20 years
DetailsAs low as; Estimated Payment per $10,000: $75.30
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
FHA Mortgage
5.75%
-
6.72%
15 years
DetailsAs Low As; Estimated Payment per $10,000: $83.04
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Conventional Fixed Rate
6.63%
-
6.76%
20 years
DetailsAs Low As; Estimated Payment per $10,000: $75.30
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo One-Time Close Construction - 15 years Loan
6.63%
-
6.90%
15 years
DetailsAs low as; Estimated Payment per $10,000: $87.80
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
VA Mortgage
6.63%
-
7.03%
30 years
DetailsAs Low As; VA Loan
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo Fixed Rate
7.00%
-
7.05%
30 years
DetailsAs Low As; Estimated Payment per $10,000: $66.53
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo One-Time Close Construction Loan
7.00%
-
7.07%
30 years
DetailsAs low as; Estimated Payment per $10,000: $66.53
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Conventional Fixed Rate
7.00%
-
7.10%
30 years
DetailsAs Low As; Estimated Payment per $10,000: $66.53
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo One-Time Close Construction - 20 years Loan
7.25%
-
7.37%
20 years
DetailsAs low as; Estimated Payment per $10,000: $79.04
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
FHA Mortgage
6.63%
-
7.44%
30 years
DetailsAs Low As; Estimated Payment per $10,000: $64.03
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Jumbo One-Time Close Construction - 30 years Loan
7.63%
-
7.72%
30 years
DetailsAs low as; Estimated Payment per $10,000: $70.78
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Randolph Brooks FCU Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity (1st Lien)
5.63%
-
5.86%
4 years
DetailsAs low as; Estimated Payment per $10,000: $233.13
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (1st Lien)
6.00%
-
6.14%
7 years
DetailsAs low as; Estimated Payment per $10,000: $146.09
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (1st Lien)
6.13%
-
6.23%
10 years
DetailsAs low as; Estimated Payment per $10,000: $111.65
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (1st Lien)
6.38%
-
6.43%
15 years
DetailsAs low as; Estimated Payment per $10,000: $86.43
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (2nd Lien)
6.38%
-
6.62%
4 years
DetailsAs Low As; Estimated Payment per $10,000: $236.57
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (2nd Lien)
6.75%
-
6.90%
7 years
DetailsAs Low As; Estimated Payment per $10,000: $149.71
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (2nd Lien)
6.88%
-
6.99%
10 years
DetailsAs Low As; Estimated Payment per $10,000: $115.47
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (1st Lien)
7.00%
-
7.05%
20 years
DetailsAs low as; Estimated Payment per $10,000: $77.53
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (2nd Lien)
7.13%
-
7.19%
15 years
DetailsAs Low As; Estimated Payment per $10,000: $90.58
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (1st Lien)
7.38%
-
7.42%
30 years
DetailsAs low as; Estimated Payment per $10,000: $69.07
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Equity (2nd Lien)
7.75%
-
7.81%
20 years
DetailsAs Low As; Estimated Payment per $10,000: $82.09
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Randolph Brooks FCU Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto/Truck Loan
4.49%
-
4.49%
24 - 36 months
DetailsRate(APR) Up to: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Auto/Truck Loan
4.49%
-
4.49%
37 - 48 months
DetailsRate(APR) Up to: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Auto/Truck Loan
4.49%
-
4.49%
49 - 60 months
DetailsRate(APR) Up to: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Auto/Truck Loan
4.75%
-
4.75%
61 - 66 months
DetailsRate(APR) Up to: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Auto/Truck Loan
4.75%
-
4.75%
67 - 72 months
DetailsRate(APR) Up to: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Auto/Truck Loan
6.00%
-
6.00%
73 - 78 months
DetailsRate(APR) Up to: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Auto/Truck Loan
6.00%
-
6.00%
79 - 84 months
DetailsRate(APR) Up to: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
VehicleVantage Auto/Truck
6.49%
-
6.49%
24 - 36 months
DetailsRate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
VehicleVantage Auto/Truck
6.49%
-
6.49%
37 - 48 months
DetailsRate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
VehicleVantage Auto/Truck
6.49%
-
6.49%
49 - 60 months
DetailsRate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
VehicleVantage Auto/Truck
6.75%
-
6.75%
61 - 72 months
DetailsRate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Randolph Brooks FCU RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boat & Trailer Loan
-
5.95%
36 - 60 months
DetailsPublished APR range: 5.950% - 18.000%.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Boat & Trailer Loan
-
6.75%
61 - 66 months
DetailsPublished APR range: 6.750% - 11.750%.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Boat & Trailer Loan
-
6.75%
67 - 84 months
DetailsPublished APR range: 6.750% - 11.750%.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Boat & Trailer Loan
-
6.75%
85 - 96 months
DetailsPublished APR range: 6.750% - 11.750%.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan
6.75%
6.75%
73 - 78 months
DetailsRate(APR): As low as 6.750%; Rate(APR): Up to 6.750%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan
6.75%
6.75%
79 - 84 months
DetailsRate(APR): As low as 6.750%; Rate(APR): Up to 6.750%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
6.75%
6.75%
73 - 78 months
DetailsAs low as; Rate: 6.750%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
6.75%
6.75%
79 - 84 months
DetailsAs low as; Rate: 6.750%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Boat & Trailer Loan
-
7.00%
97 - 120 months
DetailsPublished APR range: 7.000% - 10.000%.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Boat & Trailer Loan
-
7.50%
121 - 144 months
No additional details.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
7.50%
7.50%
121 - 144 months
DetailsAs low as; Up to
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Boat & Trailer Loan
-
7.75%
145 - 180 months
No additional details.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
7.75%
7.75%
145 - 180 months
DetailsAs low as; Up to
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
7.00%
10.00%
97 - 120 months
DetailsAs low as; Up to
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
6.75%
11.75%
61 - 66 months
DetailsAs low as; Up to
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
6.75%
11.75%
67 - 84 months
DetailsAs low as; Up to
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
6.75%
11.75%
85 - 96 months
DetailsAs low as; Up to
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan
5.95%
18.00%
24 - 36 months
DetailsRate(APR): As low as 5.950%; Rate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan
5.95%
18.00%
37 - 48 months
DetailsRate(APR): As low as 5.950%; Rate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan
5.95%
18.00%
49 - 60 months
DetailsRate(APR): As low as 5.950%; Rate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan
6.75%
18.00%
61 - 66 months
DetailsRate(APR): As low as 6.750%; Rate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Motorcycle Loan
6.75%
18.00%
67 - 72 months
DetailsRate(APR): As low as 6.750%; Rate(APR): Up to 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
5.95%
18.00%
36 - 60 months
DetailsAs low as; Up to
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
5.95%
18.00%
24 - 36 months
DetailsAs low as; Rate: 5.950%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
5.95%
18.00%
37 - 48 months
DetailsAs low as; Rate: 5.950%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
5.95%
18.00%
49 - 60 months
DetailsAs low as; Rate: 5.950%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
6.75%
18.00%
61 - 66 months
DetailsAs low as; Rate: 6.750%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
RV/Motor Home / Travel Trailer Loan
6.75%
18.00%
67 - 72 months
DetailsAs low as; Rate: 6.750%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Randolph Brooks FCU Credit Card Rates
Product
Rate
APR
View More
Premier Rate Credit Card
-
11.20%
DetailsPublished APR range: 11.200% - 18.000%.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Premier Rate Mastercard Credit Card
-
11.20%
DetailsPublished APR range: 11.200% to 18.000%. Introductory APR Offer; 2.9% Introductory APR for 18 billing cycles on Balance Transfers and Cash Advance (A fee of 2% of the amount of each Balance Transfer and each Cash Advance will apply.) made during the first 90 days of card opening. Purchases are not included. Promotional balances will remain at 2.9% APR for 18 billing cycles starting from the date of Initial Transfer. Beginning with the 19th billing cycle, any remaining balance will be repriced to an APR of 11.200 % to 18.000 % for the Premier Rate credit card based on your creditworthiness and other factors. These APRs will vary with the market based on the U.S. Prime Rate.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Business Select Credit Card
-
18.00%
DetailsPublished APR range: 18.000% - 18.000%.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
World Cash Back Credit Card
-
18.00%
DetailsPublished APR range: 18.000% - 18.000%.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Randolph Brooks FCU Personal Loan Rates
Product
APR
Term
View More
Personal Loans
9.70%
4 - 12 months
DetailsRate: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Personal Loans
10.00%
13 - 24 months
DetailsRate: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Personal Loans
10.15%
25 - 36 months
DetailsRate: 16.750%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Personal Loans
11.15%
37 - 48 months
DetailsRate: 17.650%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Personal Loans
11.20%
DetailsAs Low As; Rate: 11.200% - 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Personal Loans
12.15%
49 - 60 months
DetailsRate: 18.000%
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Randolph Brooks FCU Other Rates
Product
Rate
Points
APY/APR
Term
View More
100% Medical Professional Fixed Rate
6.38%
-
6.65%
10 years
DetailsMore rate info
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
100% Medical Professional Fixed Rate
6.63%
-
6.90%
15 years
DetailsMore rate info
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
100% Medical Professional Fixed Rate
7.25%
-
7.37%
20 years
DetailsMore rate info
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
100% Medical Professional Fixed Rate
7.63%
-
7.72%
30 years
DetailsMore rate info
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Improvement Loan
7.00%
-
8.27%
4 years
DetailsAs Low As; Estimated Payment per $10,000: $239.46
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Improvement Loan
7.38%
-
8.14%
7 years
DetailsAs Low As; Estimated Payment per $10,000: $152.77
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Improvement Loan
7.63%
-
8.19%
10 years
DetailsAs Low As; Estimated Payment per $10,000: $119.36
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Home Improvement Loan
8.25%
-
8.67%
15 years
DetailsAs Low As; Estimated Payment per $10,000: $97.01
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Investment Property Loan
6.50%
-
6.91%
7 years
DetailsAs low as; Estimated Payment per $10,000: $148.49
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Investment Property Loan
6.63%
-
6.92%
10 years
DetailsAs low as; Estimated Payment per $10,000: $114.19
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Investment Property Loan
7.00%
-
7.30%
15 years
DetailsAs low as; Estimated Payment per $10,000: $89.88
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Investment Property Loan
7.63%
-
8.38%
4 years
DetailsAs low as; Estimated Payment per $10,000: $242.37
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Investment Property Loan
7.88%
-
8.34%
7 years
DetailsAs low as; Estimated Payment per $10,000: $155.24
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Investment Property Loan
8.25%
-
8.59%
10 years
DetailsAs low as; Estimated Payment per $10,000: $122.65
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Investment Property Loan
8.63%
-
8.88%
15 years
DetailsAs low as; Estimated Payment per $10,000: $99.21
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
One-Time Close Construction Loan
5.75%
-
6.28%
10 years
DetailsAs Low As; Estimated Payment per $10,000: $109.77
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
One-Time Close Construction Loan
6.00%
-
6.46%
15 years
DetailsAs Low As; Estimated Payment per $10,000: $84.39
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
One-Time Close Construction Loan
6.63%
-
6.90%
20 years
DetailsAs Low As; Estimated Payment per $10,000: $75.30
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
One-Time Close Construction Loan
7.00%
-
7.21%
30 years
DetailsAs Low As; Estimated Payment per $10,000: $66.53
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Promo Refinance
5.38%
-
5.70%
5 years
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Promo Refinance
5.63%
-
5.84%
8 years
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Promo Refinance
5.75%
-
5.91%
11 years
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.80%
Financial Health History
Randolph Brooks FCU’s Texas Ratio rose from 2.45% in Q2 2023 to 4.80% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
March 31, 2026
$19.2B
4.80%
5.0
A+
December 31, 2025
$19.2B
5.12%
5.0
A+
September 30, 2025
$18.9B
4.42%
5.0
A+
June 30, 2025
$18.7B
4.89%
5.0
A+
March 31, 2025
$18.5B
3.71%
5.0
A+
December 31, 2024
$18.0B
4.72%
5.0
A+
September 30, 2024
$17.5B
4.26%
5.0
A+
June 30, 2024
$17.7B
4.46%
5.0
A+
March 31, 2024
$17.5B
3.07%
5.0
A+
December 31, 2023
$18.0B
3.65%
5.0
A+
September 30, 2023
$17.9B
3.01%
5.0
A+
June 30, 2023
$16.9B
2.45%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Randolph Brooks FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Randolph Brooks FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Randolph Brooks FCU's official website for the most current offers and terms.
Address
1 IKEA-RBFCU Parkway,
Live Oak, TX 78233-2416
Phone210-945-3333
Fax210-637-4175
PresidentEdward Polansky
CEOMark Sekula
Full-Time Employees2,468
Part-Time Employees5
Branch Locations70
ATM Locations70
NCUA Insured✓ Yes — Up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.80%
Return on Assets (ROA)
0.2554%
Return on Equity (ROE)
1.9371%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
19,192,250,225
Total Amount of Shares and Deposits
15,510,026,830
Total Shares and Deposits < 1 Year
13,951,692,759
Total Shares and Deposits 1 3 Years
1,438,281,769
Total Shares and Deposits > 3 Years
120,052,302
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,415,325,002
Total Uninsured Shares and Deposits > $250K (F+J)
2,415,325,002
Total Insured Shares and Deposits > $250K (item 17 less item K)
13,094,701,828
Total Interest Expense (Sum of items 6 8)
92,844,565
Share Certificates
105,693
Number of Accounts for Share Drafts
932,758
IRA KEOGH Accounts
38,313
Number of Accounts for Regular Shares
1,316,802
Money Market Shares
131,883
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
180,453,189
Total Liabilities
16,873,114,887
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Randolph Brooks FCU earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Randolph Brooks FCU yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Randolph Brooks FCU
Frequently Asked Questions About Randolph Brooks FCU
How many branches does Randolph Brooks FCU operate?
Randolph Brooks FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Randolph Brooks FCU?
Yes, to access services at Randolph Brooks FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Randolph Brooks FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Randolph Brooks FCU provides members with tools to manage their accounts and build a solid financial history.
Does Randolph Brooks FCU offer online and mobile banking?
Most modern institutions like Randolph Brooks FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rbfcu.org.
Current Randolph Brooks FCU Rates
12-Month CD3.55%
18-Month CD3.65%
24-Month CD3.60%
60-Month CD3.45%
Savings0.30%
MMA0.30%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
