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Randolph Brooks Federal Credit Union

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Randolph Brooks Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Randolph Brooks Federal Credit Union?

Current rates for Randolph Brooks Federal Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.75%, 24-Month CD: 3.70%, 60-Month CD: 3.51%, Savings: 0.50%, MMA: 2.43%

Q: What CD terms does Randolph Brooks Federal Credit Union offer?

Randolph Brooks Federal Credit Union CD rates are 3.85% APY for an 11 month CD, 3.65% APY for a 12 month CD, 3.91% APY for an 18 month CD, 3.86% APY for a 23 month CD, 3.70% APY for a 2 year CD, 3.86% APY for a 35 month CD, 3.75% APY for a 47 month CD and 3.51% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Randolph Brooks Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Randolph Brooks Federal Credit Union's 18 Month SuperSaver CD rates are at 3.91%, 12 - 23 Month CD rates are at 3.86%, 24 - 35 Month CD rates are at 3.86%, 6 - 11 Month CD rates are at 3.85%, 36 - 47 Month CD rates are at 3.75%. Randolph Brooks Federal Credit Union's savings rates are at 0.50%. Randolph Brooks Federal Credit Union's money market rates are at 2.43%. Randolph Brooks Federal Credit Union's checking rates are as high as 0.05%. Randolph Brooks Federal Credit Union's Jumbo ARM (5/5) rates are at 6.00%, 5/5 Adjustable-Rate Mortgage rates are at 6.00%, ARM (5/5) rates are at 6.00%, Jumbo Fixed Rate - 10 years rates are at 6.00%, Jumbo One-Time Close Construction - 10 years Loan rates are at 6.00%. Randolph Brooks Federal Credit Union's Personal Loan Rates are as low as 7.70%. Randolph Brooks Federal Credit Union's Credit Card Rates are at 11.20%. Randolph Brooks Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Randolph Brooks Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.89%. Rates last updated and verified on 10/28/2026.

Randolph Brooks Federal Credit Union 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 Federal Credit Union? Share your experience about Randolph Brooks Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Randolph Brooks Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.89%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Randolph Brooks Federal Credit Union
Creswell Admin Service Center

1 IKEA-RBFCU Parkway
Live Oak, TX 78233-2416

https://www.rbfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Randolph Brooks Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month SuperSaver Certificate	3.84%	3.91%	18 months
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000 and over; Consumer accounts only, does not apply to business accounts Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80% Oct 4, 20263.91%▲ from 3.80% Sep 20, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
12 - 23 Month Certificate	3.79%	3.86%	12 - 23 months
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75% Oct 4, 20263.86%▲ from 3.75% Sep 20, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
18 Month SuperSaver Certificate	3.79%	3.86%	18 months
Min Deposit $1,000 Min Balance $20,000 Details Balance: $20,000 - $74,999.99; Consumer accounts only, does not apply to business accounts Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75% Oct 4, 20263.86%▲ from 3.75% Sep 20, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
24 - 35 Month Certificate	3.79%	3.86%	24 - 35 months
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.75% → 3.86% ▲ 0.11 pts · high 3.86% / low 3.75% Oct 4, 20263.86%▲ from 3.75% Sep 20, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
6 - 11 Month Certificate	3.78%	3.85%	6 - 11 months
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.74% → 3.85% ▲ 0.11 pts · high 3.85% / low 3.74% Oct 4, 20263.85%▲ from 3.74% Sep 20, 20263.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
12 - 23 Month Certificate	3.74%	3.80%	12 - 23 months
Min Balance $20,000 Details Balance: $20,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 4, 20263.80%▲ from 3.70% Sep 20, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
24 - 35 Month Certificate	3.74%	3.80%	24 - 35 months
Min Balance $20,000 Details Balance: $20,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 4, 20263.80%▲ from 3.70% Sep 20, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
18 Month SuperSaver Certificate	3.73%	3.79%	18 months
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000 - $19,999.99; Consumer accounts only, does not apply to business accounts Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69% Oct 4, 20263.79%▲ from 3.69% Sep 20, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
6 - 11 Month Certificate	3.73%	3.79%	6 - 11 months
Min Balance $20,000 Details Balance: $20,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69% Oct 4, 20263.79%▲ from 3.69% Sep 20, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
18 Month SuperSaver Certificate	3.69%	3.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $4,999.99; Consumer accounts only, does not apply to business accounts Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 4, 20263.75%▲ from 3.65% Sep 20, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
18 Month SuperSaver Certificate	-	3.75%	18 month
Min Deposit $1,000 Details Starting at $1,000.00 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
24 - 35 Month Certificate	3.69%	3.75%	24 - 35 months
Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 4, 20263.75%▲ from 3.65% Sep 20, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
36 - 47 Month Certificate	3.69%	3.75%	36 - 47 months
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 4, 20263.75%▲ from 3.70% Sep 20, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
6 - 11 Month Certificate	3.69%	3.75%	6 - 11 months
Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 4, 20263.75%▲ from 3.65% Sep 20, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
12 - 23 Month Certificate	3.68%	3.74%	12 - 23 months
Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.64% → 3.74% ▲ 0.10 pts · high 3.74% / low 3.64% Oct 4, 20263.74%▲ from 3.64% Sep 20, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
12 - 23 Month Certificate	3.64%	3.70%	12 - 23 months
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60% Oct 4, 20263.70%▲ from 3.60% Sep 20, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
12 - 23 Month Certificate	-	3.70%	12-23 month
Min Deposit $1,000 Details Starting at $1,000.00 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
24 - 35 Month Certificate	3.64%	3.70%	24 - 35 months
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60% Oct 4, 20263.70%▲ from 3.60% Sep 20, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
36 - 47 Month Certificate	3.64%	3.70%	36 - 47 months
Min Balance $20,000 Details Balance: $20,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 4, 20263.70%▲ from 3.65% Sep 20, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
36 - 47 Month Certificate	3.59%	3.65%	36 - 47 months
Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 4, 20263.65%▲ from 3.60% Sep 20, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
48 - 59 Month Certificate	3.59%	3.65%	48 - 59 months
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 4, 20263.65%▲ from 3.60% Sep 20, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
6 - 11 Month Certificate	3.59%	3.65%	6 - 11 months
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 4, 20263.65%▲ from 3.55% Sep 20, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
36 - 47 Month Certificate	3.54%	3.60%	36 - 47 months
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 4, 20263.60%▲ from 3.55% Sep 20, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
48 - 59 Month Certificate	3.54%	3.60%	48 - 59 months
Min Balance $20,000 Details Balance: $20,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 4, 20263.60%▲ from 3.55% Sep 20, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
48 - 59 Month Certificate	3.49%	3.55%	48 - 59 months
Min Balance $5,000 Details Balance: $5,000 - $19,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.49% → 3.55% ▲ 0.06 pts · high 3.55% / low 3.49% Oct 4, 20263.55%▲ from 3.49% Sep 20, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
48 - 59 Month Certificate	3.45%	3.51%	48 - 59 months
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45% Oct 4, 20263.51%▲ from 3.45% Sep 20, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.50%	0.50%
Min Deposit $1 Details A $1 minimum balance is required to open an IRA Savings account and earn the stated APY. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Savings	0.30%	0.30%
Min Deposit $1 Details A $1 minimum balance is required to open a savings account and earn the stated APY. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Money Market Rates

Product	Rate	APY
Classic Money Market	-	2.43%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000.00 and over; APY applied to entire balance Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
RBFCU Classic Money Market	2.40%	2.43%
Min Balance $150,000 Details Balance: $150,000 and over; Requires minimum balance of $2,500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Choice Money Market	-	2.22%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $10,000.00; Blended tier rate account; personal accounts only, one per tax-reported owner Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Choice Money Market	-	2.22%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00; Blended APY range printed as 2.22 TO 2.04 APY Range; personal accounts only Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.22% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Classic Money Market	-	2.22%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00 - $149,999.99; APY applied to entire balance Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
RBFCU Choice Money Market	2.20%	2.22%
Min Balance $2,500 Details Balance: $2,500 - $10,000; APY Range: 2.22% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
RBFCU Classic Money Market	2.20%	2.22%
Min Balance $75,000 Details Balance: $75,000 - $149,999.99; Requires minimum balance of $2,500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Choice Money Market	-	2.04%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.01 and over; Blended APY range printed as 2.04 TO 1.76 APY Range; personal accounts only Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
RBFCU Choice Money Market	-	2.04%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000; APY Range: 2.22% - 2.04% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.22% → 2.04% ▼ 0.18 pts · high 2.22% / low 2.04% Oct 23, 20262.04%▼ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Classic Money Market	-	1.76%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99; Tier 1 of Classic Money Market; APY applied to entire balance Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Classic Money Market	-	1.76%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99; APY applied to entire balance Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
RBFCU Choice Money Market	1.75%	1.76%
Min Balance $25,000 Details Balance: $25,000.01+; APY Range: 2.04% - 1.76% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.04% → 1.76% ▼ 0.28 pts · high 2.04% / low 1.76% Oct 23, 20261.76%▼ from 2.04% Sep 14, 20262.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
RBFCU Classic Money Market	1.75%	1.76%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Requires minimum balance of $2,500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
RBFCU Classic Money Market	1.75%	1.76%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99; Requires minimum balance of $2,500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.05%	0.05%
Min Deposit $0 Details A checking account balance greater than $0 is required to earn the stated APY. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo ARM (5/5)	6.00%	-	6.039%	30 years
Details As Low As; Estimated Payment per $10,000: $59.96; Loan amounts greater than $832,750; 5/5 adjustable-rate mortgage; minimum down payment 5% Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.54% → 6.04% ▲ 0.50 pts · high 6.04% / low 5.54% Oct 2, 20266.04%▲ from 5.79% Sep 20, 20265.79%▲ from 5.54% Sep 14, 20265.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
5/5 Adjustable-Rate Mortgage	6.00%	-	6.093%
Details As Low As; Rate and payment locked for first 5 years, then adjustable every 5 years; 5% minimum down payment Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.59% → 6.09% ▲ 0.50 pts · high 6.09% / low 5.59% Oct 2, 20266.09%▲ from 5.84% Sep 20, 20265.84%▲ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
ARM (5/5)	6.00%	-	6.093%	30 years
Details As Low As; Estimated Payment per $10,000: $59.96; 5/5 ARM: fixed initial rate for first 5 years, adjusts every 5 years thereafter; minimum down payment 5% Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.59% → 6.09% ▲ 0.50 pts · high 6.09% / low 5.59% Oct 2, 20266.09%▲ from 5.84% Sep 20, 20265.84%▲ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Jumbo Fixed Rate - 10 years	6.00%	-	6.194%	10 years
Details Loan amounts greater than $832,750 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Jumbo One-Time Close Construction - 10 years Loan	6.00%	-	6.248%	10 years
Details As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; Financing available up to 90% loan to value; Origination fees may apply; Construction phase up to 1 year in addition to terms listed Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 6.65% → 6.25% ▼ 0.40 pts · high 6.65% / low 6.25% Oct 23, 20266.25%▼ from 6.65% Sep 20, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Conventional Fixed Rate - 7 years	5.875%	-	6.271%	7 years
Details As Low As; Primary Residence and Second Homes available Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.76% → 6.27% ▲ 0.51 pts · high 6.27% / low 5.76% Oct 23, 20266.27%▲ from 5.76% Sep 14, 20265.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Conventional Fixed Rate - 10 years	6.00%	-	6.289%	10 years
Details As Low As; Primary Residence and Second Homes available Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.78% → 6.29% ▲ 0.51 pts · high 6.29% / low 5.78% Oct 23, 20266.29%▲ from 5.78% Sep 14, 20265.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Jumbo Fixed Rate - 15 years	6.25%	-	6.47%	15 years
Details Loan amounts greater than $832,750 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.47% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Jumbo One-Time Close Construction - 15 years Loan	6.25%	-	6.508%	15 years
Details As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; Financing available up to 90% loan to value; Origination fees may apply; Construction phase up to 1 year in addition to terms listed Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 6.90% → 6.51% ▼ 0.39 pts · high 6.90% / low 6.51% Oct 23, 20266.51%▼ from 6.90% Sep 20, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Conventional Fixed Rate - 15 years	6.25%	-	6.538%	15 years
Details As Low As; Primary Residence and Second Homes available Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.03% → 6.54% ▲ 0.51 pts · high 6.54% / low 6.03% Oct 23, 20266.54%▲ from 6.03% Sep 14, 20266.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
100% Conventional Fixed Rate - 10 years	6.625%	-	6.899%	10 years
Details As Low As; Rate (as low as): 6.625%; APR (as low as): 6.899%; Loans subject to credit approval; No down payment required; First lien mortgage on primary residence in Texas only Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Jumbo Fixed Rate - 20 years	7.00%	-	7.059%	20 years
Details Loan amounts greater than $832,750 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.06% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Jumbo One-Time Close Construction - 20 years Loan	7.00%	-	7.091%	20 years
Details As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; Financing available up to 90% loan to value; Origination fees may apply; Construction phase up to 1 year in addition to terms listed Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 7.37% → 7.09% ▼ 0.28 pts · high 7.37% / low 7.09% Oct 23, 20267.09%▼ from 7.37% Sep 20, 20267.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Conventional Fixed Rate - 20 years	7.00%	-	7.134%	20 years
Details As Low As; Primary Residence and Second Homes available Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.13% / low 6.50% Oct 23, 20267.13%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
100% Conventional Fixed Rate - 15 years	6.875%	-	7.155%	15 years
Details As Low As; Rate (as low as): 6.875%; APR (as low as): 7.155%; Loans subject to credit approval; No down payment required; First lien mortgage on primary residence in Texas only Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.16% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Jumbo Fixed Rate - 30 years	7.375%	-	7.423%	30 years
Details Loan amounts greater than $832,750 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.42% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Jumbo One-Time Close Construction - 30 years Loan	7.375%	-	7.448%	30 years
Details As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; Financing available up to 90% loan to value; Origination fees may apply; Construction phase up to 1 year in addition to terms listed Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 7.72% → 7.45% ▼ 0.27 pts · high 7.72% / low 7.45% Oct 23, 20267.45%▼ from 7.72% Sep 20, 20267.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Conventional Fixed Rate - 30 years	7.375%	-	7.482%	30 years
Details As Low As; Primary Residence and Second Homes available Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.85% → 7.48% ▲ 0.63 pts · high 7.48% / low 6.85% Oct 23, 20267.48%▲ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
100% Conventional Fixed Rate - 20 years	7.625%	-	7.746%	20 years
Details As Low As; Rate (as low as): 7.625%; APR (as low as): 7.746%; Loans subject to credit approval; No down payment required; First lien mortgage on primary residence in Texas only Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
100% Conventional Fixed Rate - 30 years	8.00%	-	8.098%	30 years
Details As Low As; Rate (as low as): 8.000%; APR (as low as): 8.098%; Loans subject to credit approval; No down payment required; First lien mortgage on primary residence in Texas only Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity (1st Lien)	5.875%	-	6.112%	4 years
Details As Low As; Estimated Payment per $10,000: $234.28; Minimum loan amount $4,000; At least 20% equity required; 1st lien; APR current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 5.86% → 6.11% ▲ 0.25 pts · high 6.11% / low 5.86% Oct 2, 20266.11%▲ from 5.86% Sep 20, 20265.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (1st Lien)	6.25%	-	6.397%	7 years
Details As Low As; Estimated Payment per $10,000: $147.29; Minimum loan amount $4,000; At least 20% equity required; 1st lien; APR current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 6.14% → 6.40% ▲ 0.25 pts · high 6.40% / low 6.14% Oct 2, 20266.40%▲ from 6.14% Sep 20, 20266.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (1st Lien)	6.375%	-	6.483%	10 years
Details As Low As; Estimated Payment per $10,000: $112.91; Minimum loan amount $4,000; At least 20% equity required; 1st lien; APR current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 6.23% → 6.48% ▲ 0.25 pts · high 6.48% / low 6.23% Oct 2, 20266.48%▲ from 6.23% Sep 20, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (1st Lien)	6.625%	-	6.686%	15 years
Details As Low As; Estimated Payment per $10,000: $87.80; Minimum loan amount $4,000; At least 20% equity required; 1st lien; APR current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 6.43% → 6.69% ▲ 0.25 pts · high 6.69% / low 6.43% Oct 2, 20266.69%▲ from 6.43% Sep 20, 20266.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (2nd Lien)	6.625%	-	6.88%	4 years
Details As Low As; Estimated Payment per $10,000: $237.73; Minimum loan amount $4,000; At least 20% equity required Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.37% → 6.88% ▲ 0.51 pts · high 6.88% / low 6.37% Oct 2, 20266.88%▲ from 6.62% Sep 20, 20266.62%▲ from 6.37% Sep 14, 20266.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (2nd Lien)	7.00%	-	7.158%	7 years
Details As Low As; Estimated Payment per $10,000: $150.93; Minimum loan amount $4,000; At least 20% equity required Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.65% → 7.16% ▲ 0.51 pts · high 7.16% / low 6.65% Oct 2, 20267.16%▲ from 6.90% Sep 20, 20266.90%▲ from 6.65% Sep 14, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (2nd Lien)	7.125%	-	7.242%	10 years
Details As Low As; Estimated Payment per $10,000: $116.75; Minimum loan amount $4,000; At least 20% equity required Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.74% → 7.24% ▲ 0.51 pts · high 7.24% / low 6.74% Oct 2, 20267.24%▲ from 6.99% Sep 20, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (1st Lien)	7.375%	-	7.43%	20 years
Details As Low As; Estimated Payment per $10,000: $79.80; Minimum loan amount $4,000; At least 20% equity required; 1st lien; APR current as of 10/22/2026 Last Updated 10/28/2026 Rate History 3 changes since Sep 20, 2026 · 7.05% → 7.43% ▲ 0.38 pts · high 7.56% / low 7.05% Oct 23, 20267.43%▼ from 7.56% Oct 8, 20267.56%▲ from 7.43% Oct 2, 20267.43%▲ from 7.05% Sep 20, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (2nd Lien)	7.375%	-	7.443%	15 years
Details As Low As; Estimated Payment per $10,000: $91.99; Minimum loan amount $4,000; At least 20% equity required Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.94% → 7.44% ▲ 0.50 pts · high 7.44% / low 6.94% Oct 2, 20267.44%▲ from 7.19% Sep 20, 20267.19%▲ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (1st Lien)	7.75%	-	7.795%	30 years
Details As Low As; Estimated Payment per $10,000: $71.64; Minimum loan amount $4,000; At least 20% equity required; 1st lien only for 30-year terms; APR current as of 10/22/2026 Last Updated 10/28/2026 Rate History 3 changes since Sep 20, 2026 · 7.42% → 7.80% ▲ 0.38 pts · high 7.92% / low 7.42% Oct 23, 20267.80%▼ from 7.92% Oct 8, 20267.92%▲ from 7.80% Oct 2, 20267.80%▲ from 7.42% Sep 20, 20267.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Equity (2nd Lien)	8.125%	-	8.186%	20 years
Details As Low As; Estimated Payment per $10,000: $84.42; Minimum loan amount $4,000; At least 20% equity required Last Updated 10/28/2026 Rate History 4 changes since Sep 14, 2026 · 7.56% → 8.19% ▲ 0.63 pts · high 8.31% / low 7.56% Oct 23, 20268.19%▼ from 8.31% Oct 8, 20268.31%▲ from 8.19% Oct 2, 20268.19%▲ from 7.81% Sep 20, 20267.81%▲ from 7.56% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Truck Loan	-	-	4.49%	24 - 36 months
Details As Low As; Rate(APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Auto/Truck Loan	-	-	4.49%	37 - 48 months
Details As Low As; Rate(APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Auto/Truck Loan	-	-	4.49%	49 - 60 months
Details As Low As; Rate(APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Auto/Truck Loan	-	-	4.75%	61 - 66 months
Details As Low As; Rate(APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Auto/Truck Loan	-	-	4.75%	67 - 72 months
Details As Low As; Rate(APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Auto/Truck Loan	-	-	6.00%	73 - 78 months
Details As Low As; Rate(APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Auto/Truck Loan	-	-	6.00%	79 - 84 months
Details As Low As; Rate(APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
VehicleVantage Auto/Truck	-	-	6.49%	24 - 36 months
Details As Low As; Up to APR: 18.000% Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 6.49% ▼ 0.00 pts · high 18.00% / low 6.49% Oct 12, 20266.49%▼ from 18.00% Oct 8, 202618.00%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
VehicleVantage Auto/Truck	-	-	6.49%	37 - 48 months
Details As Low As; Up to APR: 18.000% Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 6.49% ▼ 0.00 pts · high 18.00% / low 6.49% Oct 12, 20266.49%▼ from 18.00% Oct 8, 202618.00%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
VehicleVantage Auto/Truck	-	-	6.49%	49 - 60 months
Details As Low As; Up to APR: 18.000% Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 6.49% ▼ 0.00 pts · high 18.00% / low 6.49% Oct 12, 20266.49%▼ from 18.00% Oct 8, 202618.00%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
VehicleVantage Auto/Truck	-	-	6.75%	61 - 72 months
Details As Low As; Up to APR: 18.000% Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 18.00% / low 6.75% Oct 12, 20266.75%▼ from 18.00% Oct 8, 202618.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & Trailer Loan	-	5.95%	36 - 60 months
Details As Low As; Up to 18.000% APR; Boat length may not exceed 26 feet Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 5.95% → 5.95% ▼ 0.00 pts · high 18.00% / low 5.95% Oct 12, 20265.95%▼ from 18.00% Oct 8, 202618.00%▲ from 5.95% Sep 14, 20265.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	5.95%	5.95%	24 - 36 months
Details As Low As; Up to 18.000%; Payment Per $1,000: $30.40 - $49.92 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 5.95% ▼ 12.05 pts · high 18.00% / low 5.95% Oct 8, 20265.95%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	5.95%	5.95%	37 - 48 months
Details As Low As; Up to 18.000%; Payment Per $1,000: $23.46 - $35.41 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 5.95% ▼ 12.05 pts · high 18.00% / low 5.95% Oct 8, 20265.95%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	5.95%	5.95%	49 - 60 months
Details As Low As; Up to 18.000%; Payment Per $1,000: $19.31 - $28.96 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 5.95% ▼ 12.05 pts · high 18.00% / low 5.95% Oct 8, 20265.95%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Boat & Trailer Loan	-	6.75%	61 - 66 months
Details As Low As; Up to 11.750% APR; Boat length may not exceed 26 feet Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 11.75% / low 6.75% Oct 12, 20266.75%▼ from 11.75% Oct 8, 202611.75%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Boat & Trailer Loan	-	6.75%	67 - 84 months
Details As Low As; Up to 11.750% APR; Boat length may not exceed 26 feet Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 11.75% / low 6.75% Oct 12, 20266.75%▼ from 11.75% Oct 8, 202611.75%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Boat & Trailer Loan	-	6.75%	85 - 96 months
Details As Low As; Up to 11.750% APR; Boat length may not exceed 26 feet Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 11.75% / low 6.75% Oct 12, 20266.75%▼ from 11.75% Oct 8, 202611.75%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	6.75%	6.75%	61 - 66 months
Details As Low As; Up to 18.000%; Payment Per $1,000: $18.18 - $25.14 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 6.75% ▼ 11.25 pts · high 18.00% / low 6.75% Oct 8, 20266.75%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	6.75%	6.75%	67 - 72 months
Details As Low As; Up to 18.000%; Payment Per $1,000: $16.93 - $23.76 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 6.75% ▼ 11.25 pts · high 18.00% / low 6.75% Oct 8, 20266.75%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	6.75%	6.75%	73 - 78 months
Details As Low As; Payment Per $1,000: $15.87 - $16.74; For well-qualified buyers Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	6.75%	6.75%	79 - 84 months
Details As Low As; Payment Per $1,000: $14.97 - $15.71; For well-qualified buyers Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Boat & Trailer Loan	-	7.00%	97 - 120 months
Details As Low As; Up to 10.000% APR; Boat length may not exceed 26 feet Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.00% ▼ 0.00 pts · high 10.00% / low 7.00% Oct 12, 20267.00%▼ from 10.00% Oct 8, 202610.00%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Boat & Trailer Loan	-	7.50%	121 - 144 months
Details As Low As; Up to 7.500% APR; For well-qualified buyers; Boat length may not exceed 26 feet Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Boat & Trailer Loan	-	7.75%	145 - 180 months
Details As Low As; Up to 7.750% APR; For well-qualified buyers; Boat length may not exceed 26 feet Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Credit Card Rates

Product	Rate	APR
Premier Rate Credit Card	-	11.20%
Details Published APR range: 11.200% - 18.000%. Variable Rate (APR) Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 11.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Premier Rate Mastercard Credit Card	-	11.20%
Details Intro/promo APR: 2.9%; Intro rate expires: 18 billing cycles; Regular APR: 11.200% - 18.000%; Introductory APR applies to Balance Transfers and Cash Advances made during the first 90 days of card opening (2% fee applies); Purchases not included; Regular APR varies with the U.S. Prime Rate Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 11.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Personal Loan	7.70%	4 - 12 months
Details As Low As; Rate (APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Signature Personal Loan	10.00%	13 - 24 months
Details As Low As; Rate (APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Signature Personal Loan	10.15%	25 - 36 months
Details As Low As; Rate (APR) Up to: 16.750% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Signature Personal Loan	11.15%	37 - 48 months
Details As Low As; Rate (APR) Up to: 17.650% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Signature Personal Loan	12.15%	49 - 60 months
Details As Low As; Rate (APR) Up to: 18.000% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Randolph Brooks Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
FHA - 15 Year Loan	6.625%	-	7.616%	15 years
Details As Low As; FHA (Federal Housing Administration) loans have a maximum loan amount, which varies by county and is not intended for investment properties or second-home loans. Down payment as low as 3.5% of the purchase price. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
FHA - 30 Year Loan	7.00%	-	7.819%	30 years
Details As Low As; FHA (Federal Housing Administration) loans have a maximum loan amount, which varies by county and is not intended for investment properties or second-home loans. Down payment as low as 3.5% of the purchase price. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.82% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Improvement Loan - 10 years	7.875%	-	8.448%	10 years
Details As Low As; Financing available up to 125% loan to value, subject to rate adjustments and additional qualifications Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Improvement Loan - 15 years	8.50%	-	8.925%	15 years
Details As Low As; Financing available up to 125% loan to value, subject to rate adjustments and additional qualifications Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.93% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Improvement Loan - 4 years	7.25%	-	8.529%	4 years
Details As Low As; Financing available up to 125% loan to value, subject to rate adjustments and additional qualifications Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.53% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Home Improvement Loan - 7 years	7.625%	-	8.40%	7 years
Details As Low As; Financing available up to 125% loan to value, subject to rate adjustments and additional qualifications Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Investment Property - 10 years Loan	6.875%	-	7.177%	10 years
Details As Low As; Estimated Payment per $10,000: $115.47; Minimum 20% equity required; Maximum loan term of 15 years Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.67% → 7.18% ▲ 0.51 pts · high 7.18% / low 6.67% Oct 23, 20267.18%▲ from 6.67% Sep 14, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Investment Property - 15 years Loan	7.25%	-	7.553%	15 years
Details As Low As; Estimated Payment per $10,000: $91.29; Minimum 20% equity required; Maximum loan term of 15 years Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.05% → 7.55% ▲ 0.51 pts · high 7.55% / low 7.05% Oct 23, 20267.55%▲ from 7.05% Sep 14, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Investment Property - 7 years Loan	6.75%	-	7.162%	7 years
Details As Low As; Estimated Payment per $10,000: $149.71; Minimum 20% equity required; Maximum loan term of 15 years Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.65% → 7.16% ▲ 0.51 pts · high 7.16% / low 6.65% Oct 23, 20267.16%▲ from 6.65% Sep 14, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Land Loan	7.875%	-	8.64%	4 years
Details As Low As; Rates listed are based on 80% loan to value. Financing available up to 100% loan to value subject to rate adjustments and additional qualifications. Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 8.13% → 8.64% ▲ 0.51 pts · high 8.64% / low 8.13% Oct 15, 20268.64%▲ from 8.13% Sep 14, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Land Loan	8.125%	-	8.59%	7 years
Details As Low As; Rates listed are based on 80% loan to value. Financing available up to 100% loan to value subject to rate adjustments and additional qualifications. Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 8.08% → 8.59% ▲ 0.51 pts · high 8.59% / low 8.08% Oct 15, 20268.59%▲ from 8.08% Sep 14, 20268.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Land Loan	8.50%	-	8.848%	10 years
Details As Low As; Rates listed are based on 80% loan to value. Financing available up to 100% loan to value subject to rate adjustments and additional qualifications. Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 8.34% → 8.85% ▲ 0.51 pts · high 8.85% / low 8.34% Oct 15, 20268.85%▲ from 8.34% Sep 14, 20268.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Land Loan	8.875%	-	9.132%	15 years
Details As Low As; Rates listed are based on 80% loan to value. Financing available up to 100% loan to value subject to rate adjustments and additional qualifications. Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 8.63% → 9.13% ▲ 0.51 pts · high 9.13% / low 8.63% Oct 15, 20269.13%▲ from 8.63% Sep 14, 20268.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Line of Credit	-	-	11.20%
Details As Low As; Rate(APR) range 11.200% - 18.000% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 11.20% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	-	-	5.95%	24 - 36 months
Details As Low As; Up to 18.000%; Annual Percentage Rate current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 5.95% ▼ 12.05 pts · high 18.00% / low 5.95% Oct 8, 20265.95%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	-	-	5.95%	37 - 48 months
Details As Low As; Up to 18.000%; Annual Percentage Rate current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 5.95% ▼ 12.05 pts · high 18.00% / low 5.95% Oct 8, 20265.95%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	-	-	5.95%	49 - 60 months
Details As Low As; Up to 18.000%; Annual Percentage Rate current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 5.95% ▼ 12.05 pts · high 18.00% / low 5.95% Oct 8, 20265.95%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	-	-	6.75%	61 - 66 months
Details As Low As; Up to 18.000%; Annual Percentage Rate current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 6.75% ▼ 11.25 pts · high 18.00% / low 6.75% Oct 8, 20266.75%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	-	-	6.75%	67 - 72 months
Details As Low As; Up to 18.000%; Annual Percentage Rate current as of 10/22/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 18.00% → 6.75% ▼ 11.25 pts · high 18.00% / low 6.75% Oct 8, 20266.75%▼ from 18.00% Sep 20, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	-	-	6.75%	73 - 78 months
Details As Low As; Up to 6.750%; For well-qualified buyers; Annual Percentage Rate current as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Motorcycle Loan	-	-	6.75%	79 - 84 months
Details As Low As; Up to 6.750%; For well-qualified buyers; Annual Percentage Rate current as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
One-Time Close Construction Loan	6.00%	-	6.535%	10 years
Details Rate and APR are as low as; based on 80% loan to value; financing up to 90% LTV; construction phase up to 1 year in addition to term; origination fees may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 6.28% → 6.54% ▲ 0.25 pts · high 6.54% / low 6.28% Oct 2, 20266.54%▲ from 6.28% Sep 20, 20266.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
One-Time Close Construction Loan	6.25%	-	6.714%	15 years
Details Rate and APR are as low as; based on 80% loan to value; financing up to 90% LTV; construction phase up to 1 year in addition to term; origination fees may apply Last Updated 10/28/2026 Rate History 1 change since Sep 20, 2026 · 6.46% → 6.71% ▲ 0.26 pts · high 6.71% / low 6.46% Oct 2, 20266.71%▲ from 6.46% Sep 20, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
One-Time Close Construction Loan	7.00%	-	7.278%	20 years
Details Rate and APR are as low as; based on 80% loan to value; financing up to 90% LTV; construction phase up to 1 year in addition to term; origination fees may apply Last Updated 10/28/2026 Rate History 3 changes since Sep 20, 2026 · 6.90% → 7.28% ▲ 0.38 pts · high 7.41% / low 6.90% Oct 23, 20267.28%▼ from 7.41% Oct 8, 20267.41%▲ from 7.28% Oct 2, 20267.28%▲ from 6.90% Sep 20, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
One-Time Close Construction Loan	7.375%	-	7.595%	30 years
Details Rate and APR are as low as; based on 80% loan to value; financing up to 90% LTV; construction phase up to 1 year in addition to term; origination fees may apply Last Updated 10/28/2026 Rate History 3 changes since Sep 20, 2026 · 7.21% → 7.60% ▲ 0.38 pts · high 7.72% / low 7.21% Oct 23, 20267.60%▼ from 7.72% Oct 8, 20267.72%▲ from 7.60% Oct 2, 20267.60%▲ from 7.21% Sep 20, 20267.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Promo Refinance - 11 Years	6.00%	-	6.163%	11 years
Details As Low As; 5% equity required. Only available for first lien mortgage on primary residence or second home. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.16% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Promo Refinance - 5 Years	5.625%	-	5.95%	5 years
Details As Low As; 5% equity required. Only available for first lien mortgage on primary residence or second home. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%
Promo Refinance - 8 Years	5.875%	-	6.089%	8 years
Details As Low As; 5% equity required. Only available for first lien mortgage on primary residence or second home. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.89%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Randolph Brooks Federal Credit Union’s Texas Ratio rose from 3.01% in Q3 2023 to 5.89% in Q2 2026, so its financial health has held steady at a healthy level 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
June 30, 2026	$19.6B	5.89%	5.0	A+
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+

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 Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Randolph Brooks Federal Credit Union

Website https://www.rbfcu.org

Address 1 IKEA-RBFCU Parkway, Live Oak, TX 78233-2416

Phone 210-945-3333

Fax 210-637-4175

President Edward Polansky

CEO Mark Sekula

Full-Time Employees 2,461

Part-Time Employees 7

Branch Locations 70

ATM Locations 70

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.89%

Return on Assets (ROA)

0.7370%

Return on Equity (ROE)

5.4929%

Non-Performing Loans Ratio (NPL)

1.27%

Total Assets

19,565,099,575

Total Amount of Shares and Deposits

15,577,876,814

Total Shares and Deposits < 1 Year

13,964,068,606

Total Shares and Deposits 1 3 Years

1,493,280,188

Total Shares and Deposits > 3 Years

120,528,019

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,464,595,942

Total Uninsured Shares and Deposits > $250K (F+J)

2,464,595,942

Total Insured Shares and Deposits > $250K (item 17 less item K)

13,113,280,872

Total Interest Expense (Sum of items 6 8)

185,821,765

Share Certificates

107,881

Number of Accounts for Share Drafts

939,660

IRA KEOGH Accounts

38,188

Number of Accounts for Regular Shares

1,321,954

Money Market Shares

133,224

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)

234,375,370

Total Liabilities

17,145,788,092

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Randolph Brooks Federal Credit Union 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.

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Customer Reviews

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Frequently Asked Questions About Randolph Brooks Federal Credit Union

Does Randolph Brooks Federal Credit Union offer CDs?

Yes. Randolph Brooks Federal Credit Union current CD rates include its 18 Month SuperSaver CD at 3.91% APY, its 12 - 23 Month CD at 3.86% APY and its 24 - 35 Month CD at 3.86% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Randolph Brooks Federal Credit Union NCUA insured?

Yes. Randolph Brooks Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Randolph Brooks Federal Credit Union?

The highest Randolph Brooks Federal Credit Union CD rate is its 18 Month SuperSaver CD at 3.91% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Randolph Brooks Federal Credit Union offer?

Randolph Brooks Federal Credit Union CD rates are 3.85% APY for an 11 month CD, 3.65% APY for a 12 month CD, 3.91% APY for an 18 month CD, 3.86% APY for a 23 month CD, 3.70% APY for a 2 year CD, 3.86% APY for a 35 month CD, 3.75% APY for a 47 month CD and 3.51% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Randolph Brooks Federal Credit Union for its full lineup.

What is the highest savings rate at Randolph Brooks Federal Credit Union?

The highest Randolph Brooks Federal Credit Union savings rate is its IRA Savings at 0.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Randolph Brooks Federal Credit Union?

The highest Randolph Brooks Federal Credit Union money market rate is its Classic Money Market at 2.43% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Randolph Brooks Federal Credit Union?

The highest Randolph Brooks Federal Credit Union checking rate is its Checking at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Randolph Brooks Federal Credit Union?

The lowest Randolph Brooks Federal Credit Union 30 year fixed mortgage rate is its Jumbo Fixed Rate - 30 years at 7.375%, verified by MonitorBankRates as of October 28, 2026. Randolph Brooks Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.25% for a 15 year mortgage, 6.00% for a 10 year mortgage and 5.875% for a 7 year mortgage.

What is the lowest auto loan rate at Randolph Brooks Federal Credit Union?

The lowest Randolph Brooks Federal Credit Union auto loan rate is its Auto/Truck Loan at 4.49% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Randolph Brooks Federal Credit Union?

The lowest Randolph Brooks Federal Credit Union personal loan rate is its Signature Personal Loan at 7.70% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Randolph Brooks Federal Credit Union?

The lowest Randolph Brooks Federal Credit Union credit card APR is its Premier Rate Credit Card at 11.20% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Randolph Brooks Federal Credit Union operate?

Randolph Brooks Federal Credit Union 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 Federal Credit Union?

Yes, to access services at Randolph Brooks Federal Credit Union, 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 Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Randolph Brooks Federal Credit Union offer online and mobile banking?

Most modern institutions like Randolph Brooks Federal Credit Union 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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Randolph Brooks Federal Credit Union rates compare?

Randolph Brooks Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. Randolph Brooks Federal Credit Union's top rates are its 18 Month SuperSaver CD at 3.91% APY, its IRA Savings at 0.50% APY, its Classic Money Market at 2.43% APY, its Checking at 0.05% APY, its Conventional Fixed Rate - 7 years at 5.875%, its Signature Personal Loan at 7.70% APR and its Premier Rate Credit Card at 11.20% APR, verified by MonitorBankRates on October 28, 2026.

Current Randolph Brooks Federal Credit Union Rates

12-Month CD3.65%
18-Month CD3.75%
24-Month CD3.70%
60-Month CD3.51%
Savings0.50%
MMA2.43%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Randolph Brooks Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Randolph Brooks Federal Credit Union Texas Ratio

Randolph Brooks Federal Credit Union Health Trend

Randolph Brooks Federal Credit Union CD Rates

Randolph Brooks Federal Credit Union Savings Rates

Randolph Brooks Federal Credit Union Money Market Rates

Randolph Brooks Federal Credit Union Checking Rates

Randolph Brooks Federal Credit Union Mortgage Rates

Randolph Brooks Federal Credit Union Home Equity & HELOC

Randolph Brooks Federal Credit Union Auto Loan Rates

Randolph Brooks Federal Credit Union RV, Boat and Powersport Loan Rates

Randolph Brooks Federal Credit Union Credit Card Rates

Randolph Brooks Federal Credit Union Personal Loan Rates

Randolph Brooks Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Randolph Brooks Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Randolph Brooks Federal Credit Union

Does Randolph Brooks Federal Credit Union offer CDs?

Are CDs from Randolph Brooks Federal Credit Union NCUA insured?

What is the highest CD rate at Randolph Brooks Federal Credit Union?

What CD terms does Randolph Brooks Federal Credit Union offer?

What is the highest savings rate at Randolph Brooks Federal Credit Union?

What is the highest money market rate at Randolph Brooks Federal Credit Union?

What is the highest checking rate at Randolph Brooks Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Randolph Brooks Federal Credit Union?

What is the lowest auto loan rate at Randolph Brooks Federal Credit Union?

What is the lowest personal loan rate at Randolph Brooks Federal Credit Union?

What is the lowest credit card APR at Randolph Brooks Federal Credit Union?

How many branches does Randolph Brooks Federal Credit Union operate?

Is a member application needed to join Randolph Brooks Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Randolph Brooks Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Randolph Brooks Federal Credit Union rates compare?

Current Randolph Brooks Federal Credit Union Rates

Compare to Other Credit Unions