Membership & About RBFCU Frequently Asked Questions

Yes, your immediate family members (defined as spouse, children, parents, stepparents, siblings and adopted relatives) or household members (people living in the same residence maintaining a single economic unit) can qualify for RBFCU membership through you.

To secure a loan with RBFCU, membership is required. If you would like to complete your loan application right away, then complete the membership application later, you may access our non-member loan application.

No. At RBFCU, we have more than 5,000 ways to qualify you for membership. To see how you qualify for membership, call us at 210-945-3300 today.

There are several ways to qualify for membership with RBFCU. Common ways to qualify for membership include your employer, place of worship, community organization, neighborhood or school. You may also qualify through immediate family members who are part of the credit union (spouse, children, parents, siblings, stepchildren, adopted relatives, etc.). You can complete a short online application to see if you qualify for membership.

If you are unable to qualify through any of the options listed above, you may contact us and our Member Service Specialists can help you determine if there are additional opportunities to qualify.

With more than 5,000 ways to become an RBFCU member, qualifying for membership is quick and easy. Join online or visit any RBFCU branch.

The questions we ask are pulled from public information data sources. RBFCU does not curate this information and you may be asked a question regarding a person with whom you have shared an address in the past.

A member number is assigned to you when you open your account. It is not the same as your account number. It is a number we use to identify you within our internal system.

You may be asked to verify your identity by answering questions from public information sources, including questions about vehicles you or others in your household have owned, questions about addresses/places of residence, etc.

Unlike banks that are open to anyone, laws require credit unions like RBFCU to have a defined field of membership, which means you have to be a member to access the products and services credit unions provide. There are a variety of ways to qualify based on where you work, live, worship or attend school. When you become a member of RBFCU, you take advantage of lower loan rates, higher dividends on deposits and lower fees.

For media inquiries, please contact Salvador Guerrero, Vice President-Corporate Communications & Public Relations, at sguerrero@rbfcu.org or 210-637-4287.

Credit unions are not-for-profit cooperatives, owned by their members who save and borrow there. We exist to serve our members, not to make a profit, so credit unions do not issue stock or pay dividends to outside stockholders. Instead, we return our earnings to members by providing lower loan rates, generally pay higher dividends on deposits and charge lower fees.

Credit unions are a democracy. Each credit union member has equal ownership and one vote, regardless of how much money they have on deposit.

Every credit union is governed by a board of directors, elected by and from the credit union's membership. Board members serve voluntarily and receive no compensation.

Credit unions cannot serve the general public; instead, people must qualify for membership. People are eligible for credit union membership through their employer or organizational affiliations like churches or social groups, or a community-chartered credit union.

Credit unions provide beneficial education to their members so they can become better educated consumers of financial services. We not only focus on our adult members, but work to give our youth and young adults the skills they need to become financially savvy.

The annual meeting is scheduled for the end of March each year. Watch member communications for date, time and location details.

RBFCU Services LLC was established to expand the range of financial products and offer best-practice strategies to serve the specific needs of our members. As an affiliate of RBFCU, our focus is on providing an experience — one with professional guidance and integrity. We also value RBFCU’s mission to improving our members’ economic well-being and quality of life. That’s why we strive each day to deliver a variety of quality financial products specifically designed to fit each member’s lifestyle and budget.

When you choose RBFCU Services, you have access to a collection of knowledgeable and dedicated staff. Connect with our real estate agents who can help you find the perfect home, and utilize our loan specialists to determine the right mortgage. When you need to protect your investments, contact our insurance agents to determine the right amount of coverage at the right price, and meet with our financial advisors to help navigate your retirement plan or guide you through all your investment needs. We’re here every step of the way.

RBFCU Investments Group LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU).

RBFCU Investments Group financial advisors are registered representatives of Ameriprise Financial Services, LLC and employees of RBFCU.

RBFCU Investments Group is a financial advisory practice of Ameriprise Financial Services, LLC.

RBFCU offers an investment services program through Ameriprise Financial Institutions Group, a channel of Ameriprise Financial Services, LLC.

Through our relationship with Ameriprise Financial, you will have access to wide-ranging advice — from point-in-time investment recommendations and asset allocation strategies, to a comprehensive financial planning approach that covers key aspects of your financial life — to help you meet your goals. And, your financial advisor can provide access to a broad array of solutions to meet your specific needs, including investments, insurance and annuities, and much more.

Ameriprise Financial Services, LLC and its affiliates are entities separate from, and not affiliates of, RBFCU.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.

Yes, you can qualify your business for membership based on your location, or based on where you (the legal owner), live, worship or attend school. If you are interested in allowing your business and employees to take advantage of credit union membership, you can contact our Business Development Team and request the benefits of credit union membership for your entire organization by becoming a Select Group.

No. RBFCU has more than 5,000 ways to qualify you for membership. To get more information on becoming an RBFCU Select Group, call our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

As a Select Group (SG), your employees are eligible for free RBFCU membership. We can provide membership packets to your employees and do on-site credit union membership education sessions — free of charge. RBFCU can have a Business Development Representative coordinate membership materials and information sessions for you. To schedule your on-site RBFCU SG membership sessions, call our Business Development Department at 210-945-3300 , ext. 53827 or email membership@rbfcu.org today.

Qualifying your business for membership is an easy process. You can become a Select Group (SG) within five to seven business days. To get more information on becoming an RBFCU SG, call our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

RBFCU wants to ensure the financial success of all its members and we offer several different financial literacy classes — most free and a few at a nominal cost — to those we serve. Call our Business Development Department at 210-945-3300, ext. 53827 or email us at financialeducation@rbfcu.org for more information. Click here to request a financial education presentation.

When your business is approved as an RBFCU Select Group (SG), you are given a number that identifies you in our records. If you forgot your business’ SG number, call our Business Development Department at 210-945-3300 , ext. 53827 or email us membership@rbfcu.org.

As an RBFCU Select Group (SG), your employees can take advantage of credit union products and services to include on-site presentations and free financial seminars. Qualifying your business for RBFCU membership is a very easy. To learn how to become an RBFCU SG, contact our Business Development Office at 210-945-3300 , ext. 53827 or email us at membership@rbfcu.org.

No, an appointment is not necessary. GreenPath professionals are standing by to serve you at 1-877-337-3399.

The initial credit counseling session usually lasts 45 minutes to 1 hour.

Credit counseling is free. GreenPath will work with you to help you understand your unique financial situation and explore customized options to help you reach your financial goals. You can call GreenPath at 1-877-337-3399 to get immediate counseling.

There is a cost for a debt management plan and enhanced student loan debt counseling. A GreenPath counselor will explain those costs to you if you elect to utilize those services beyond your initial credit counseling session.

GreenPath can schedule an appointment for a more convenient time or you can call them at 1-877-337-3399 at a time that is convenient for you. GreenPath professionals are available from 7 a.m. to 9 p.m. CT Monday through Thursday, 7 a.m. to 7 p.m. Friday and 8 a.m. to noon Saturday.

All of GreenPath’s counseling sessions are customized to your situation.

If you are struggling to manage your ongoing monthly obligations, you will receive information on money management as well as tips on how to reduce ongoing expenses.

If you are past due on your mortgage, you will receive information on prioritizing payments, how to resolve housing delinquency, etc.

If you are facing several issues, you will receive customized counseling to address all of these items so you are in a better situation to reach your financial goals.

You should have copies of recent bill statements handy such as utilities, credit card, mortgage, auto loan and student loans.

To paint a complete financial picture, GreenPath will also need to know how much money you and your spouse/financial partner bring home each month.

Absolutely. GreenPath does not report information to the credit bureaus and will not share your information with anyone without your permission.

GreenPath does ask you for permission to share information with RBFCU. If you say “no,” your name is kept confidential.

If you begin a debt management program, GreenPath will obtain your consent before it proposes payment arrangements to your creditors.

RBFCU wants to ensure the financial success of all its members and we offer several different financial literacy classes — most free and a few at a nominal cost — to those we serve. Call our Business Development Department at 210-945-3300, ext. 53827 or email us at financialeducation@rbfcu.org for more information. Click here to request a financial education presentation.

1. Open Settings on your device
2. From Settings > Wi-Fi, select RBFCU Wi-Fi
3. Click "Connect to Free Wi-Fi"

(by clicking "Connect to Free Wi-Fi" you accept our terms and conditions)

If you're having trouble connecting to the Wi-Fi, please ask a branch employee for assistance.

RBFCU Wi-Fi is available Monday – Friday from 7 a.m. to 7 p.m. and Saturday from 7 a.m. to 5 p.m.

You will have access to the Wi-Fi for two hours after connecting. Once the two hours have elapsed, you'll have to connect again to access Wi-Fi.

If you've enabled your device's settings to connect to networks automatically, you will get an RBFCU Wi-Fi pop-up. Select "Connect to Free Wi-Fi" to continue and connect.

If your device is not enabled to connect to networks automatically, navigate to your Wi-Fi settings and select the RBFCU Wi-Fi network.

The full terms and conditions regarding our use of our Wi-Fi service can be found here.

Use of the Wi-Fi is free for members and visitors.