Savings Options
Secure accounts, competitive yields
At RBFCU, we offer products that make your life easier. With just $1, you can open a savings account to establish membership and have access to many options for your funds.
Savings Accounts
Your savings account is your passport to the many other financial resources RBFCU offers. To get started with your new account, you’ll need to qualify for membership.
Benefits and features:
- Minimum deposit: $1
- No monthly service fee
- Use as an overdraft protection option
- Dividends paid monthly

Certificate Accounts
Certificates earn higher yields on money put aside into savings, providing good returns without high risk.
Benefits and features:
- Minimum deposit: $1,000
- Automatic renewal on maturity
- Tiered dividends allow you to earn higher yields on your savings
- Dividends can be compounded or paid to checking, savings or Money Market
The 2.68% Annual Percentage Yield (APY) applies only to the 18-month SuperSaver certificate and is accurate as of 2/4/2018. Subject to change without prior notice. Additional restrictions may apply. Minimum initial deposit and minimum balance is $1,000. Penalty for early withdrawal may reduce earnings. Membership eligibility required.

Money Market Accounts
Money Market accounts can earn interest based on the current market rates. Money Markets frequently pay higher dividend rates while requiring a higher minimum balance. At RBFCU, we offer two Money Market options: the RBFCU Classic Money Market and the RBFCU Choice Money Market.

RBFCU also provides specialized savings options, including interest on lawyer trust accounts (IOLTAs), Texas Uniform Transfer to Minors Act accounts (TUTMAs) and trusts. If you are interested in opening one of these accounts, please contact our specialized accounts team.
Calculators
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How long will it take to reach my savings goal?
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What is it worth to reduce my spending?
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How long will it take to save for a purchase?
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Should I pay off debt or invest in savings?
FAQs
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What happens if I exceed six transfers from savings per month?
You can complete as many transfers as you like each month in person, but federal regulations limit the number of “convenience” (not in person) transfers from savings to six monthly. After the sixth transfer, the item presented to pay from the savings account is an EFT/ACH, it may be paid as exception, but a fee will be charged. If the item is presented against the checking account and you have set up the savings as overdraft protection, the checking account item maybe returned unpaid or paid using Courtesy Pay (must be opted in).
For more information, read “What You Need to Know About Overdraft Protection.”
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How do I qualify for membership with RBFCU?
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.
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Why do I have to qualify for membership?
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.
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How do I download the RBFCU Mobile app?
RBFCU offers a FREE mobile application for both Android and iPhone devices.
- For Android devices: Select the Play Store, search for RBFCU and download the app.
- For iOS (Apple) devices: Select the App Store, search for RBFCU and download the app.
For full functionality, both the provider’s software and RBFCU app version must be up to date.
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Why am I being asked for my ID on all transactions?
In order to protect you and your account, RBFCU must identify the transacting person on an account each time a transaction is made.
Photo ID required for all transactions at any RBFCU branch.