A recent success story about Randolph Brooks Federal Credit Union (RBFCU) highlights a powerful takeaway for credit unions: Real-time payments aren’t just about faster money; they’re about driving efficiency, improving operations, and delivering better member experiences at scale. 

In other words, real-time payments are helping RBFCU work smarter, not harder. 

As the $18 billion credit union explored joining the RTP® network, RBFCU leadership focused on more than just delivering innovative, instant transactions. Measurable, operational value was key. Through its partnership with Corporate One as its service provider, RBFCU found a solution that not only meets members' expectations for immediacy but also streamlines internal processes and supports scalable growth. 

RBFCU took a thoughtful, phased approach, beginning with receive-only capabilities to reduce risk and quickly capture benefits. Upon implementation, the credit union saw immediate results. Within seconds of going live in January 2025, RBFCU began receiving real-time transactions, ultimately processing more than 273,000 payments totaling over $120 million in just six months. 

Now, RBFCU is preparing to expand its send capabilities, which will further enhance the flexibility of its “Move Money” experience. 

For more details about RBFCU’s strategic, phased approach to implementation along with their outcomes and next steps, read the full article here.