Credit union · NCUA insured
RBFCU CD Rates
Top CarrotRBFCU’s best CD rate is 3.91% APY on an 18-month share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 16, 2026.
How RBFCU’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where RBFCU has the most branches. $10,000, best rate first.
This credit union’s best
RBFCU
3.79%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $574
SuperSaver Certificate
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
RBFCU CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.74%
- 16–30 months16–30 mo3.79%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.79%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where RBFCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
SuperSaver Certificate
3.79%APY · 1 term
Available for consumer accounts and does not apply to business accounts. Membership eligibility required. Minimum initial deposit and minimum balance is $1,000. $0 monthly service fee. Early withdrawal penalty applies (60 days).
| Term | APY · $1,000 – $5,000 | APY · $5,000 – $20,000 | APY · $20,000 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 18 monthsAssumes dividends are added back to the certificate | 3.75% | 3.79% | 3.86% | 3.91% | 3.79%3.75% $1k–$5k3.86% $20k–$75k3.91% from $75k | $574 |
Certificate
Up to 3.75%APY · 8 terms
Membership eligibility required. Minimum initial deposit and minimum balance is $1,000. Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate. Early withdrawal penalties apply.
| Term | APY · $1,000 – $5,000 | APY · $5,000 – $20,000 | APY · $20,000 – $75,000 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6–11 monthsAssumes dividends are added back to the certificate. Early withdrawal penalty: 30 days | 3.65% | 3.75% | 3.79% | 3.85% | 3.75%3.65% $1k–$5k3.79% $20k–$75k3.85% from $75k | $186 |
| 12–23 monthsStandard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate. Assumes dividends are added back to the certificate. Early withdrawal penalty: 60 days | 3.70% | 3.74% | 3.80% | 3.86% | 3.74%3.70% $1k–$5k3.80% $20k–$75k3.86% from $75k | $374 |
| 24–35 monthsAssumes dividends are added back to the certificate. Early withdrawal penalty: 120 days | 3.70% | 3.75% | 3.80% | 3.86% | 3.75%3.70% $1k–$5k3.80% $20k–$75k3.86% from $75k | $764 |
| 36–47 monthsAssumes dividends are added back to the certificate. Early withdrawal penalty: 180 days | 3.60% | 3.65% | 3.70% | 3.75% | 3.65%3.60% $1k–$5k3.70% $20k–$75k3.75% from $75k | $1,135 |
| 48–59 monthsAssumes dividends are added back to the certificate. Early withdrawal penalty: 240 days | 3.51% | 3.55% | 3.60% | 3.65% | 3.55%3.51% $1k–$5k3.60% $20k–$75k3.65% from $75k | $1,497 |
| 60–71 monthsAssumes dividends are added back to the certificate. Early withdrawal penalty: 300 days | 3.51% | 3.55% | 3.60% | 3.65% | 3.55%3.51% $1k–$5k3.60% $20k–$75k3.65% from $75k | $1,906 |
| 72–83 monthsAssumes dividends are added back to the certificate. Early withdrawal penalty: 360 days | 3.45% | 3.51% | 3.56% | 3.60% | 3.51%3.45% $1k–$5k3.56% $20k–$75k3.60% from $75k | $2,300 |
| 84 monthsAssumes dividends are added back to the certificate. Early withdrawal penalty: 420 days | 3.36% | 3.41% | 3.46% | 3.52% | 3.41%3.36% $1k–$5k3.46% $20k–$75k3.52% from $75k | $2,646 |
Who can join RBFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Immediate family members or household members of an existing member qualify for membership.
Other ways
- Membership is open to individuals through more than 5,000 qualifying options based on where they live, work, worship, or attend school.
Cost to join
- Members are required to open a primary savings account with a minimum deposit of $1, which must remain in the account at all times.
Membership information collected October 5, 2026.