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.
Randolph-Brooks Federal Credit Union CD Rates + Account Details
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 Term | APY range |
| 6 – 11 months | 3.55 – 3.75% |
| 12 – 23 months | 4.05 – 4.25% |
| 24 – 35 months | 4.50 – 4.80% |
| 36 – 47 months | 4.45 – 4.65% |
| 48 – 59 months | 4.40 – 4.60% |
| 60 – 71 months | 4.40 – 4.60% |
| 72 – 83 months | 4.40 – 4.60% |
| 84 months | 4.40 – 4.60% |
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 Term | Deposit Size | APY |
| 18 months | $1,000 – $4,999.99 | 4.55% |
| 18 months | $5k – $19,999.99 | 4.65% |
| 18 months | $20k – $74,999.99 | 4.70% |
| 18 months | $75,000 + | 4.75% |
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 Term | Early Withdrawal Fee |
| 6 – 11 months | 30 days’ interest |
| 12 – 23 months | 60 days’ interest |
| 24 – 35 months | 120 days’ interest |
| 36 – 47 months | 180 days’ interest |
| 48 – 59 months | 240 days’ interest |
| 60 – 71 months | 300 days’ interest |
| 72 – 83 months | 360 days’ interest |
| 84 months | 420 days’ interest |
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