Randolph brooks federal credit union online banking

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Randolph Brooks Federal Credit Union operates as a financial cooperative. The Union provides financial solutions such as loans, investment, savings, credit and debit cards, online banking, and other related services. Randolph Brooks Federal Credit Union serves communities in the State of Texas.

Raritan Bay FCU will be closed on Thursday, 11/24 for Thanksgiving! Access your accounts with Online Banking, Teller-Phone by calling 732-727-3232 or by downloading our mobile app TouchBanking and use Access Code: raritanbay Make a loan payment by clicking here!

Mobile Check Deposit: Deposit Checks in a snap!

Download our TouchBanking mobile app and start depositing your checks using your smartphone.

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Find out what makes us different.

At Raritan Bay Federal Credit Union, our mission is to improve the quality of life of our members and the communities we serve.

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Randolph brooks federal credit union online banking

PERSONAL CHECKING

Checking account options designed to meet your needs.

Randolph brooks federal credit union online banking

PERSONAL LOANS

Loans for any occasion. We are here to help you get the money you need for whatever life throws at you.

Randolph brooks federal credit union online banking

FINANCIAL SERVICES

RBFCU is here to be your financial resource. We can help you start planning for whatever your future holds.

Randolph brooks federal credit union online banking

Business Checking

Let us help you manage your finances so you can focus on running your business.

Randolph brooks federal credit union online banking

HOME LOANS

We offer many different financing programs to get you the one that best fits your needs.

Randolph brooks federal credit union online banking

INSURANCE

From Auto & Home Insurance to Credit Life and Credit Disability protection, we are here to help with your insurance needs.

Randolph brooks federal credit union online banking

PERSONAL SAVINGS

Build your cash cushion while earning dividends and enjoy a number of free eServices to stay on top of your money.

Randolph brooks federal credit union online banking

AUTO LOANS

Whether it’s new or used, our competitive rates can help you find a payment that fits your budget.

Randolph brooks federal credit union online banking

CERTIFICATES OF DEPOSITS (CDs)

We offer competitive rates and have a variety of terms to choose from.

The Credit Union Difference

A credit union membership has its privileges.

  • Competitive rates on loans
  • Credit cards-no balance transfer fee
  • Variety of Checking Account Options
  • Bill Pay (EZ Pay)
  • Mobile Check Deposit
  • Love My Credit Union Discounts
  • Access to over 55,000 surcharge free ATM’S

We’re Local.

Raritan Bay FCU has been a part of the community for almost 80 years. We take pride in the communities we serve.

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Randolph brooks federal credit union online banking

On This Page

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At a glance

Randolph brooks federal credit union online banking

4.4

Rating: 4.4 stars out of 5

Bankrate Score

Caret Down

CDs

Rating: 4.2 stars out of 5

Checking

Rating: 4.8 stars out of 5

Savings

Rating: 3.3 stars out of 5

MMA

Rating: 4.8 stars out of 5

Overview

RBFCU could be an ideal choice for Texans looking for a full-service credit union with several options for savers and a relatively fee-free checking account. The credit union offers many ways to become a member.

Highlights

  • Free Checking
  • No Monthly Fees

Overall

Randolph-Brooks Federal Credit Union is one of America’s best credit unions and one of the largest in the state of Texas.

Pros

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    The credit union offers a range of CD terms from six months to seven years.

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    The Choice account gives savers the opportunity to earn a very high yield on a portion of their balance.

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    Members have access to nearly 30,000 ATMs within the CO-OP network.

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    Digital wallet access, early direct deposit, free bill pay and account alerts are available.

Cons

  • The credit union doesn’t offer any specialty certificates.

  • There’s no check writing available with the credit union’s money market accounts.

Randolph-Brooks Federal Credit Union bank products

3.3

Rating: 3.3 stars out of 5

Bankrate Score

Randolph-Brooks Federal Credit Union savings overview

Just $1 is needed to open and maintain a regular savings account and membership with RBFCU. No monthly service fee is charged.

The account is a low-cost savings option, and it pays a decent APY. Consumers searching for the most competitive savings APYs will want to shop around, however.

Only six online or phone transfers per month are permitted. But after the sixth transfer of the month, additional transfers can be made at a Randolph-Brooks Federal Credit Union branch.

Pros

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    The account only requires $1 to open.

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    There are no monthly service fees.

Cons

  • The account pays more than the national average, but better rates can be found.

Randolph brooks federal credit union online banking

Member FDIC

Savings Account

Rating: 4.4 stars out of 5

Bank experience

Randolph-Brooks Federal Credit Union has 60 branch locations, all in Texas. A photo ID must be presented before completing any transactions. There’s surcharge-free access to all ATMs (nearly 30,000) within the CO-OP network. The credit union offers several options for becoming a member.

Members hoping to get in touch with the bank can call and contact a member service representative or send an email. Different phone numbers are listed on the website depending on the product or service you need assistance with.

While there’s no access to person-to-person payment platforms like Zelle, RBFCU members with cards can use mobile wallets, including Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay. There’s free online and mobile bill pay, remote check deposit, and email and text alerts. A mobile app is available as well for Android and iPhone users.

Financial resources for members include free and inexpensive online seminars and free classes offered by the credit union’s financial education team. There are also many calculators available for members who need loans or help budgeting and figuring out how much to save for retirement and college.

About Randolph-Brooks Federal Credit Union

Randolph-Brooks Federal Credit Union was founded in 1952. What began as a financial institution for members of the military and their families is now one of the largest credit unions in Texas.

RBFCU today provides services to more than 1 million members. Membership in the credit union is open to others outside the military, depending where they live, work, worship, attend school or other affiliation. Having an immediate family member who’s a member of the credit union is another way to qualify for membership.

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.