topic Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC in Personal Finance

RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

Royalbacon — Thu, 12 Feb 2026 23:18:51 GMT

RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC American Consumer Council.

https://www.bizjournals.com/sanantonio/news/2026/02/02/rbfcu-merge-oklahoma-based-credit-union.html

They're merging with True Sky Credit Union in Oklahoma. I have a ridiculous number of ChexSystems inquiries so am hesitant to try joining but this could be a way to get into RBFCU finally for non-Texas people.

https://trueskycu.org/membership

Anybody care to join and see how Chex sensitive they are?

The other question that remains, how will this affect RBFCU's Texas residents only going forward if they're operating in Oklahoma too? Just change to accepting Oklahome residents as well, or could they open up nationwide?

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

Royalbacon — Fri, 13 Feb 2026 00:38:33 GMT

I ended up applying to be the guinea pig. What's one more Chex inquiry, anyways??? haha

Application went pending which is standard for credit unions and I pulled my Chexsystems report immediately after and no surprise, they pull Chex too which is standard for credit unions. Card was charged immediately to fund accounts, which as I know from opening other credit union accounts, means absolutely nothing.

Chex inquiries are as follows

4/1

8/2

10/6

14/12

26/24

I still think I'll be declined as I got 4 inquiries in the last month and 8 in the last 2 months which is excessively huge, but we shall see. Not all finaicial institutions are sensitive to lots of inquiries...

Now the other question, Why do other MyFico'ers go crazy over RBFCU? Is there an extremely desirable credit card they have, or do you people just go crazy and have an irrational desire to belong to some exclusive, geo locked institution?

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

AndySoCal — Fri, 13 Feb 2026 02:19:37 GMT

@Royalbacon Based on research I am confident the RBFCU pulls Chex Systems. I have no idea if True Sky pulls Chex or not. If you want to join RBFCU / True Sky do it before the merger completes. If you go about two or three screens from where your True Sky link is you come to a page that asks your eligiblity. That screen has three options residence and option and the last one American Consumer Council as apart of that verbiage you want to join because you do not qualify on the two options before it.

What does RBFCU offer that has your interest?

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

Royalbacon — Fri, 13 Feb 2026 02:48:24 GMT

They do pull Chex, I already applied then pulled my Chex right after to comfirm they did. Application went pending which is standard for credit unions and I'm expecting to be denied as I have numerous Chex inquiries.

I'm not sure what RBFCU has, I just know it's been a desired credit union here at MyFico over the years with lots of people lamenting they can't join as they're not in Texas.

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

Royalbacon — Fri, 13 Feb 2026 23:38:10 GMT

Unsurprisingly, I was denied for Chexsystems as 4 inquiries in the past 30 days and 8 in the past 60 days is quite a bit.

If anyone else wants to join RBFCU outside of Texas/Oklahoma, this very wel may be one of the only chances there could be. No idea if they'll be geo-locked after they merge. Who knows.

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

MeowingTheCat — Sat, 14 Feb 2026 01:39:51 GMT

@Royalbacon wrote:
Unsurprisingly, I was denied for Chexsystems as 4 inquiries in the past 30 days and 8 in the past 60 days is quite a bit.

If anyone else wants to join RBFCU outside of Texas/Oklahoma, this very wel may be one of the only chances there could be. No idea if they'll be geo-locked after they merge. Who knows.

You need to slow down your ChexSysyems inquiries. If you're doing it in short period time, the bank or credit union likely to deny it and wasting inquiries.

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

Royalbacon — Sat, 14 Feb 2026 01:50:55 GMT

@MeowingTheCat wrote:
@Royalbacon wrote:
Unsurprisingly, I was denied for Chexsystems as 4 inquiries in the past 30 days and 8 in the past 60 days is quite a bit.

If anyone else wants to join RBFCU outside of Texas/Oklahoma, this very wel may be one of the only chances there could be. No idea if they'll be geo-locked after they merge. Who knows.
You need to slow down your ChexSysyems inquiries. If you're doing it in short period time, the bank or credit union likely to deny it and wasting inquiries.

Im well aware. I've been a loyal doctorofcredit reader for years and have spent years opening checking accounts and churning checking accounts for bonuses.

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

crystal626 — Sun, 15 Feb 2026 06:08:43 GMT

Hmm... Not really seeing anything all that special about them but good for people who do.

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

ptatohed — Sun, 15 Feb 2026 06:47:18 GMT

https://www.rbfcu.org/

Randolph-Brooks Federal Credit Union

Credit card = 2% CB = Of No Use

CD (Share Certificate) rates = up to 3.90% (18 months) and 3.40% - 3.60% for very long terms (up to 83 months) which is pretty good but I don't think exclusive. Home page says up to 4.05% but, nope, 3.90%.

MMAs up to 2.22% (with minimum balance required) which is way lower than a regular MMA like, say, Sallie Mae.

Checking 0.05%, Savings 0.30%. Boo.

Ho hum, at best. Am I missing something?

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

AndySoCal — Sun, 15 Feb 2026 16:21:27 GMT

@ptatohed I think you missed something on the CD rates . Here is what I see

https://www.rbfcu.org/rates#DEP-SCER

Look at the super saver certificates. What you saw last night may have been due RBFCU updating their rates. The rates I see are effective 2/15/25.

Liquid savings account rates on money market , high yield savings accounts and more the yield will keep going lower. One person's opinion I saw was they thought the Fed would cut rates by a half to one point this year. We will see. I having anything more than a few months of expenses in one those accounts is not wise IMO. I would take the CD rate of 18 to 2 years where I can get 4 percent or higher. Check Mountain America Credit Union CD rates. The bulk of my liquid savings rates are in a Vanguard Money Market account.

the current version of the US Bank Smartley credit card is a joke to get 4%. Similar thoughts on the US Bank Smartley Savings account.

i have a 2% credit card for all spending that I do not have a better rewards card for. I have seen the 3% cards but not worth the effort. My card was giving me 3% on Amazon spend during the holidays. It worked for me because that is when I spend the most on Amazon I buy gift cards for the family. Otherwise my spend on Amazon is almost nill.

Re: RBFCU, famous for being geo-locked to Texas, is merging with a credit union that accepts ACC

ptatohed — Sun, 15 Feb 2026 23:25:59 GMT

@AndySoCal wrote:
@ptatohed I think you missed something on the CD rates . Here is what I see

https://www.rbfcu.org/rates#DEP-SCER

Look at the super saver certificates. What you saw last night may have been due RBFCU updating their rates. The rates I see are effective 2/15/25.
Liquid savings account rates on money market , high yield savings accounts and more the yield will keep going lower. One person's opinion I saw was they thought the Fed would cut rates by a half to one point this year. We will see. I having anything more than a few months of expenses in one those accounts is not wise IMO. I would take the CD rate of 18 to 2 years where I can get 4 percent or higher. Check Mountain America Credit Union CD rates. The bulk of my liquid savings rates are in a Vanguard Money Market account.
the current version of the US Bank Smartley credit card is a joke to get 4%. Similar thoughts on the US Bank Smartley Savings account.

i have a 2% credit card for all spending that I do not have a better rewards card for. I have seen the 3% cards but not worth the effort. My card was giving me 3% on Amazon spend during the holidays. It worked for me because that is when I spend the most on Amazon I buy gift cards for the family. Otherwise my spend on Amazon is almost nill.

Hmmm, I hadn't seen that page @AndySoCal . But I was going by this page where I don't see 4.05%.

https://www.rbfcu.org/banking/savings-account/certificates