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You are here: Home / CD Rates / RPFCU CD Rates – Now up to 4.75% APY!

RPFCU CD Rates – Now up to 4.75% APY!

editorial staff
January 15, 2023

Randolph-Brooks Federal Credit Union, headquartered in Live Oak, Texas, is the 11th largest credit union in the country by asset size with over $14.77 billion.

Despite their size, membership with RPFCU is only available to those who live, work or worship in Austin, San Antonio, Plano and central Texas. You can learn more about joining here or give them a call at 210-945-3300 to see if you’re eligible.

If you are a member or if you’re eligible for membership and are in the market for a CD (certificate of deposit) then Randolph-Brooks has some fairly competitive offers.

To see if their CDs are right for you, continue reading our review below.

In this post you'll learn:

  • Randolph-Brooks Federal Credit Union CD Rates + Account Details
  • CD Rates
  • Super Saver Certificate
  • Super Saver CD Rates
  • Grace Period and Early Withdrawal Fees

Randolph-Brooks Federal Credit Union CD Rates + Account Details

image credit: rbfcu.org

Randolph-Brooks Federal Credit Union CDs require a minimum deposit of $1,000 to open and come with varying yields by deposit size. They are federally insured by the NCUA (FDIC equivalent for credit unions) and are insured up to $250,000 per depositor.

The deposit tiers ares:

  • $1,000 – $4,999.99
  • $5,000 – $19,999.99
  • $20k – $74,999.99
  • $75,000 +

CD Rates

CD TermAPY range
6 – 11 months3.55 – 3.75%
12 – 23 months4.05 – 4.25%
24 – 35 months4.50 – 4.80%
36 – 47 months4.45 – 4.65%
48 – 59 months4.40 – 4.60%
60 – 71 months4.40 – 4.60%
72 – 83 months4.40 – 4.60%
84 months4.40 – 4.60%
APY = Annual Percentage Yield

The high end of the APY range is for deposits of $75,000 or more whereas the low end is going to be for deposits of $1,000 – $4,999.99. Each deposit tier comes with a higher yield by 0.05% APY.

To put RPFCU’s CD rates into perspective, the current national average for a 12 month and 60 month CD sit at just 1.07% and 1.09% APY, respectively, according to FDIC data. That said, there now a handful of online banks offering 4.50% APY and 4.60% APY for the same respective terms.

Super Saver Certificate

The Super Saver Certificate features RPFCU’s highest yield and also requires a minimum deposit of $1,000.

Super Saver CD Rates

CD TermDeposit SizeAPY
18 months$1,000 – $4,999.994.55%
18 months$5k – $19,999.994.65%
18 months$20k – $74,999.994.70%
18 months$75,000 +4.75%
APY = Annual Percentage Yield

Grace Period and Early Withdrawal Fees

Upon the maturity of your CD, Randolph-Brooks provides you with a 10 calendar-day grace period in which you may modify your CD (either by deposit size or term) or close it out entirely without facing any early withdrawal fees.

If nothing is done during this grace period, CDs will automatically renew into the same term with the going APY at that time.

If you need access to your funds prior to the maturity of your CD, you will face an early withdrawal penalty fee. The fee is as follows:

CD TermEarly Withdrawal Fee
6 – 11 months30 days’ interest
12 – 23 months60 days’ interest
24 – 35 months120 days’ interest
36 – 47 months180 days’ interest
48 – 59 months240 days’ interest
60 – 71 months300 days’ interest
72 – 83 months360 days’ interest
84 months420 days’ interest

ABOUT THE AUTHOR

editorial staff: A group of savers, investors, side-hustlers and entrepreneurs serve the editorial team with a combined 20 years experience in entrepreneurship, banking and blogging.
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Filed Under: CD Rates

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