Randolph-Brooks Federal Credit Union (RBFCU) CD & Share Certificate Rates — October 2026
As of October 22, 2026, Randolph-Brooks Federal Credit Union (RBFCU)'s highest CD (share certificate) rate is 3.91% APY on an 18-month CD ($75,000 minimum). That is 2.5 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.36% to 3.91% APY.
Tracking began .
Randolph-Brooks Federal Credit Union (RBFCU) CD & share certificate rates
| Term | Product | APY |
|---|---|---|
| 6 months | Certificate | 3.65%Verified October 22, 2026 |
| 12 months | Certificate | 3.70%Verified October 22, 2026 |
| 18 months | SuperSaver Certificate | 3.91%Verified October 22, 2026 |
| 18 months | SuperSaver Certificate | 3.86%Verified October 22, 2026 |
| 18 months | SuperSaver Certificate | 3.79%Verified October 22, 2026 |
| 18 months | SuperSaver Certificate | 3.75%Verified October 22, 2026 |
| 24 months | Certificate | 3.70%Verified October 22, 2026 |
| 36 months | Certificate | 3.60%Verified October 22, 2026 |
| 48 months | Certificate | 3.51%Verified October 22, 2026 |
| 60 months | Certificate | 3.51%Verified October 22, 2026 |
| 72 months | Certificate | 3.45%Verified October 22, 2026 |
| 84 months | Certificate | 3.36%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Randolph-Brooks Federal Credit Union (RBFCU)'s best CD rates by term?
Randolph-Brooks Federal Credit Union (RBFCU)'s best rate is 3.91% APY on 18 months, verified October 22, 2026.
- 6 mo3.65%
- 12 mo3.70%
- 18 mo3.91%
- 24 mo3.70%
- 36 mo3.60%
- 48 mo3.51%
- 60 mo3.51%
- 72 mo3.45%
- 84 mo3.36%
How much interest could a Randolph-Brooks Federal Credit Union (RBFCU) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $90.683.65% APY · Certificate · Standard | $181.363.65% APY · Certificate · Standard | $453.413.65% APY · Certificate · Standard | $906.823.65% APY · Certificate · Standard |
| 12 months | $185.003.70% APY · Certificate · Standard | $370.003.70% APY · Certificate · Standard | $925.003.70% APY · Certificate · Standard | $1,850.003.70% APY · Certificate · Standard |
| 18 months | $287.203.79% APY · SuperSaver Certificate · Standard | $574.393.79% APY · SuperSaver Certificate · Standard | $1,462.753.86% APY · SuperSaver Certificate · Standard | $2,925.513.86% APY · SuperSaver Certificate · Standard |
| 24 months | $376.843.70% APY · Certificate · Standard | $753.693.70% APY · Certificate · Standard | $1,884.223.70% APY · Certificate · Standard | $3,768.453.70% APY · Certificate · Standard |
| 60 months | $941.303.51% APY · Certificate · Standard | $1,882.603.51% APY · Certificate · Standard | $4,706.503.51% APY · Certificate · Standard | $9,413.013.51% APY · Certificate · Standard |
How Randolph-Brooks Federal Credit Union (RBFCU) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 27 of 55 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Randolph-Brooks Federal Credit Union (RBFCU) (this institution)SuperSaver Certificate · Standard | 18 months | $75,000 | Coverage: TX | 3.91% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 18 months | $10,000 | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays18 Month CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Randolph-Brooks Federal Credit Union (RBFCU) on October 22, 2026.
About Randolph-Brooks Federal Credit Union (RBFCU)
- Legal name
- Randolph-Brooks Federal Credit Union
- Regulator ID
- NCUA 8111
- Headquarters
- Universal City, TX
- Available in
- TX
- Total assets
- $19.6 billion
- Also known as
- RBFCU, Randolph-Brooks
- Website
- www.rbfcu.org
Source: rates read from https://www.rbfcu.org/banking/savings-account/certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Randolph-Brooks Federal Credit Union (RBFCU)?
3.91% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a Randolph-Brooks Federal Credit Union (RBFCU) CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $75,000.
How does Randolph-Brooks Federal Credit Union (RBFCU)'s best CD rate compare with Treasury yields?
3.91% APY is −0.81% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.91% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Randolph-Brooks Federal Credit Union (RBFCU) CDs insured?
Randolph-Brooks Federal Credit Union (RBFCU) is a federally insured credit union (NCUA 8111). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Randolph-Brooks Federal Credit Union (RBFCU)?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Randolph-Brooks Federal Credit Union (RBFCU)'s rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Randolph-Brooks Federal Credit Union (RBFCU)'s website and may change at any time. Confirm terms, minimums and eligibility with Randolph-Brooks Federal Credit Union (RBFCU) before opening an account. This page is not financial advice.