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 Robins Financial Credit Union Rates & Review October 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: October 22, 2026
Robins Financial Credit Union's money market rates are at 1.50%. Robins Financial Credit Union's Auto Loan Rates are as low as 4.10%. MonitorBankRates evaluates the financial stability of Robins Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.27%. Rates last updated and verified on 10/22/2026. Robins Financial 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 Robins Financial Credit Union? Share your experience about Robins Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Robins Financial Credit Union. Robins Financial Credit Union
Watson Branch 803 Watson Blvd
https://www.robinsfcu.org Warner Robins, GA 31093  Customer Reviews
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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. Robins Financial Credit Union Money Market Rates
Robins Financial Credit Union Home Equity & HELOC
Robins Financial Credit Union Auto Loan Rates
Financial Health HistoryRobins Financial Credit Union’s Texas Ratio stayed near 0.96% in Q3 2023 to 1.27% in Q2 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
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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 Robins Financial 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 Robins Financial 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 Robins Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Robins Financial Credit Union
Website
https://www.robinsfcu.org
Address
803 Watson Blvd,
Warner Robins, GA 31093
Phone
800-241-2405
Fax
478-322-7311
President
Michael Parker
CEO
Christina O'Brien
Full-Time Employees
546
Part-Time Employees
0
Branch Locations
23
ATM Locations
29
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.27%
Return on Assets (ROA)
0.9572%
Return on Equity (ROE)
5.4361%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
4,972,204,248
Total Amount of Shares and Deposits
4,100,763,405
Total Shares and Deposits < 1 Year
4,018,449,104
Total Shares and Deposits 1 3 Years
76,843,882
Total Shares and Deposits > 3 Years
5,470,418
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
296,437,045
Total Uninsured Shares and Deposits > $250K (F+J)
296,437,045
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,804,326,360
Total Interest Expense (Sum of items 6 8)
23,910,845
Share Certificates
33,869
Number of Accounts for Share Drafts
233,963
IRA KEOGH Accounts
8,261
Number of Accounts for Regular Shares
171,462
All other shares
5,207
Money Market Shares
14,136
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)
449,715,341
Total Liabilities
4,162,380,211
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Robins Financial Credit Union
Frequently Asked Questions About Robins Financial Credit UnionWhat is the highest money market rate at Robins Financial Credit Union?The highest money market rate MonitorBankRates has verified for Robins Financial Credit Union is 1.50% APY on its Prestige Money Market, as of October 22, 2026. What is the lowest auto loan rate at Robins Financial Credit Union?The lowest auto loan rate MonitorBankRates has verified for Robins Financial Credit Union is 4.10% APR on its Auto Loans, as of October 22, 2026. How many branches does Robins Financial Credit Union operate?Robins Financial 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 Robins Financial Credit Union?Yes, to access services at Robins Financial 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, Robins Financial 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, Robins Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Robins Financial Credit Union offer online and mobile banking?Most modern institutions like Robins Financial 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.robinsfcu.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 Robins Financial Credit Union rates compare?Robins Financial Credit Union's top rates are 1.50% APY on money market and auto loans from 4.10% APR, verified by MonitorBankRates on October 22, 2026. To compare Robins Financial Credit Union with the top rates nationwide, see our best money market rates and best auto loan rates, updated daily from banks and credit unions across the country. Current Robins Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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