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 Randolph Brooks FCU Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 11, 2026
Randolph Brooks FCU's Jumbo 5/5 Adjustable-Rate Mortgage rates are at 5.50%, Jumbo ARM (5/5) rates are at 5.50%, 5/5 Adjustable-Rate Mortgage rates are at 5.50%, Jumbo Fixed Rate rates are at 5.50%, Jumbo One-Time Close Construction Loan rates are at 5.50%. 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 09/11/2026. 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
Creswell Admin Service Center 1 IKEA-RBFCU Parkway
https://www.rbfcu.org Live Oak, TX 78233-2416 
Randolph Brooks FCU Mortgage Rates
Randolph Brooks FCU Home Equity & HELOC
Randolph Brooks FCU Auto Loan Rates
Randolph Brooks FCU RV, Boat and Powersport Loan Rates
Randolph Brooks FCU Credit Card Rates
Randolph Brooks FCU Personal Loan Rates
Financial Health HistoryRandolph 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & Overview
Credit Union Name
Randolph Brooks FCU
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
2,468
Part-Time Employees
5
Branch Locations
70
ATM Locations
70
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates 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
Customer ReviewsgwNc
December 17, 2025
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Frequently Asked Questions About Randolph Brooks FCUHow 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. Compare to Other Credit Unions
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