RBFCU & True Sky Merger Finalized
RBFCU and True Sky Federal Credit Union are pleased to announce that the merger between our two organizations is now complete. While we are now one credit union, there are currently no changes to member accounts or how they are accessed. True Sky members should continue using their accounts and services as they do today.
As part of the RBFCU family, True Sky members will continue to receive the personal service they know while we work through the transition process to integrate systems and provide members with the expanded value, convenience and support that comes with RBFCU membership.
Important updates will be posted on this page as they become available, and we encourage members to check back regularly for the latest information.
Updated as of 10/01/26
Important Dates
Legal Merger: Oct. 1, 2026
Credit Card Conversion: September 2027*
System Conversion: October 2027*
*Conversion dates are subject to change.
Member Account Updates
The integration process between RBFCU and True Sky Federal Credit Union will take some time to complete.
There are currently no changes to member accounts or how they are accessed.
Please continue to visit this page for updates as they become available.
Update Your Contact Information
To help ensure you receive important account-related updates from True Sky and RBFCU throughout the merger integration process, please make sure your contact information is current.
Update your contact information by:
- Signing in to your Online Banking account
- Calling 405-682-1990
- Visiting your nearest True Sky branch
Keeping your mailing address, email address and phone number up to date allows us to share timely information about any changes, key dates or actions that may affect your accounts.
Immediate Member Benefits Effective Oct. 1, 2026
Par Value: The minimum dollar amount needed to establish and retain membership has been reduced from $5 to $1 to align with RBFCU.
- New True Sky Members: $1 will be needed to establish membership
- Current True Sky Members: $4 has been released to your Primary Savings account
Nonsufficient Funds/Overdraft Privilege Fees: Current Nonsufficient Funds fees and Overdraft Privilege fees are decreasing from $32 to $24 effective immediately.
Reward Credit Card Updates: True Sky reward credit cards just got more rewarding!
- Reward Points Increase: Reward cardholders will enjoy an increase in reward points earned per $1 spent. The current points earned will increase from 0.5 points per $1 spent, to 2 points per $1 spent.
- Point Redemption Update: Platinum and Gold Visa® credit card reward cardholders can redeem their points at any time. There’s no limit to the number of points you can earn from qualified purchase transactions and your points will never expire.
- Additionally, for a limited time from Oct. 1 through Dec. 31, cardholders will earn 3 points per $1 spent, allowing them to maximize rewards during the promotional period.
Member Giveback
The Member Giveback promotion begins 12:00 a.m. Central Daylight Time (CDT) on Oct. 1, 2026 and ends at 11:59 p.m. Central Standard Time (CST) on Dec. 31, 2026. During the promotion period, reward cardholders will receive 3 points per $1 spent on every eligible purchase. Non-purchase transactions do not qualify for rewards. After the promotional period ends, members will earn 2 points per $1 spent.
Membership eligibility required. Credit cards subject to credit approval. Program subject to change without notice; restrictions may apply. The rewards program pays points for each qualified purchase completed with your Card. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards. uChoose Rewards® points are available with our Gold and Platinum VISA® cards. Point rewards are redeemable online through the uChoose Rewards program. We reserve the right to disqualify transactions that are not usual or customary and are apparently structured or intended to abuse the program. Abuse of the program may result in loss of rewards and Card privileges. We may add to, change, or delete any of the terms of this program or discontinue this program at any time at our sole and absolute discretion. Standard 2 points per $1 spend will resume Jan. 1, 2027.
Business Lending Update
Individuals interested in securing business loans will be referred to RBFCU. This will enhance the business member experience by giving True Sky members expanded product offerings to help meet their business needs. RBFCU offers the following business lending options:
- Commercial Real Estate Loans
- SBA Loans
- Business Credit Card
- Commercial Vehicle Loans
- Business Line of Credit
- Specialized Collateral and Equipment Loans
For more information, contact RBFCU Business Solutions at 210-945-3800.
Membership eligibility required. Business Lending rates and terms are subject to change and are offered with approved credit.
An RBFCU business account is required and will be opened for eligible True Sky members prior to funding, if one is not already established.
Future RBFCU Membership Benefits
In the months ahead, True Sky members will gain access to an expanded range of financial products, services and benefits available through RBFCU, including:
Help Us Keep Your Accounts Safe
Representatives from True Sky and RBFCU will never initiate a phone call, email or text message to anyone – members and non-members – asking for your sign-in information. This includes usernames, passwords, security questions and answers, multifactor authentication (MFA) codes, MFA recovery codes, and one-time passcodes (OTP). We will also never ask for other personal information, such as account numbers, credit card numbers, debit card numbers, or Social Security numbers. Also, employees will never need to sign in to your Online Banking account on your behalf. If someone contacts you claiming to be a True Sky or RBFCU employee and asks you to approve a sign-in request for them, do not respond.
If you receive a suspicious phone call, email or text message, hang up, do not respond to the message, do not click any links, and do not open any attachments. If you believe your account, username or password has been compromised, you should immediately contact True Sky at 405-682-1990 for assistance. Additionally, members should monitor their accounts regularly and report any suspicious transactions.
RBFCU-True Sky FCU Merger FAQs
These FAQs will answer some of the questions you may have about the merger.
- Account Security
- Accounts & Deposits
- Branches & ATMs
- Business Members
- Debit Cards
- Loans
- Online Banking & Mobile App
- Products & Services
- RBFCU General
Most emails from RBFCU will come from an email address ending with “rbfcu.org.” However, RBFCU also uses vendors to provide some of our products and services, and they may email members on our behalf.
Please be aware, though, that fraudsters can imitate legitimate email addresses.
An RBFCU email may ask you to visit rbfcu.org to sign in to your Online Banking account, but will never take you directly to an Online Banking sign-in page. RBFCU also won’t ask you to respond via email to verify or provide personal information, or open a document, unless you’ve contacted us previously to initiate a transaction.
Remember: Representatives from True Sky and RBFCU will never initiate a phone call, email or text message to anyone – members and non-members – asking for your sign-in information. This includes usernames, passwords, security questions and answers, multifactor authentication (MFA) codes, MFA recovery codes, and one-time passcodes (OTP). We will also never ask for other personal information, such as account numbers, credit card numbers, debit card numbers, or Social Security numbers. Also, True Sky and RBFCU employees will never need to sign in to your Online Banking account on your behalf. If someone contacts you claiming to be a True Sky or RBFCU employee and asks you to approve a sign-in request for them, do not respond.
If you receive an unsolicited email that appears to be from RBFCU, do not respond, click any links or open any attachments.
If you’re unsure, you can always contact RBFCU to verify if the email is legitimate or not before taking any action.
Most emails from RBFCU will come from an email address ending with “rbfcu.org.” However, RBFCU also uses vendors to provide some of our products and services, and they may email members on our behalf.
Please be aware, though, that fraudsters can imitate legitimate email addresses.
An RBFCU email may ask you to visit rbfcu.org to sign in to your Online Banking account, but will never take you directly to an Online Banking sign-in page. RBFCU also won’t ask you to respond via email to verify or provide personal information, or open a document, unless you’ve contacted us previously to initiate a transaction.
Remember: Representatives from True Sky and RBFCU will never initiate a phone call, email or text message to anyone – members and non-members – asking for your sign-in information. This includes usernames, passwords, security questions and answers, multifactor authentication (MFA) codes, MFA recovery codes, and one-time passcodes (OTP). We will also never ask for other personal information, such as account numbers, credit card numbers, debit card numbers, or Social Security numbers. Also, True Sky and RBFCU employees will never need to sign in to your Online Banking account on your behalf. If someone contacts you claiming to be a True Sky or RBFCU employee and asks you to approve a sign-in request for them, do not respond.
If you receive an unsolicited email that appears to be from RBFCU, do not respond, click any links or open any attachments.
If you’re unsure, you can always contact RBFCU to verify if the email is legitimate or not before taking any action.
Yes. Current Nonsufficient Funds Fees and Overdraft Privilege Fees are decreasing from $32 to $24 effective immediately.
Reward cardholders will earn 2 points per $1 spent on qualified purchase transactions, an increase from the previous 0.5 points per $1 spent. Points can be redeemed at any time, there is no limit to the number of points that can be earned from qualified purchases and points will never expire.
The Member Giveback is a limited-time rewards offer running Oct. 1 through Dec. 31, 2026. During this period, eligible reward cardholders will earn 3 points for every $1 spent on qualifying purchases, instead of the standard 2 points per $1. Once the promotion ends, members will automatically return to earning the regular rate of 2 points per $1 spent on eligible purchases.
No. Non-purchase transactions, including ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and other non-purchase transactions, do not qualify for rewards.
Fraudsters can manipulate caller ID so a call may look like it’s coming from RBFCU, even if it’s not. If you receive an unsolicited phone call that appears to be from RBFCU, or the person claims to be an RBFCU representative, do not provide or confirm any personal information and hang up.
Contact RBFCU to verify if the phone call was legitimate and report it.
Remember: Representatives from True Sky and RBFCU will never initiate a phone call, email or text message to anyone – members and non-members – asking for your sign-in information. This includes usernames, passwords, security questions and answers, multifactor authentication (MFA) codes, MFA recovery codes, and one-time passcodes (OTP). We will also never ask for other personal information, such as account numbers, credit card numbers, debit card numbers, or Social Security numbers. Also, True Sky and RBFCU employees will never need to sign in to your Online Banking account on your behalf. If someone contacts you claiming to be a True Sky or RBFCU employee and asks you to approve a sign-in request for them, do not respond.
Most changes will occur when True Sky systems are converted to RBFCU systems in late 2027. If there are any changes or updates during the transition period, members will receive communications before any changes occur. Please ensure your contact information is up to date during the entire process.
Members should continue contacting True Sky through their current service channels for account, loan or payment questions.
Keeping your mailing address, email address and phone number up to date helps ensure you receive important account-related updates, key dates and any action items that may affect your accounts during the merger integration process.
Beginning Oct. 1, 2026, members will see several immediate updates, including a reduced par value requirement, lower Nonsufficient Funds Fees and Overdraft Privilege Fees, enhanced reward credit card earning potential and access to expanded business lending options through RBFCU.
The minimum dollar amount needed to establish and retain membership has been reduced from $5 to $1 to align with RBFCU. For current members, $4 has been released to their Primary Savings account.
Communications will be sent to all affected members at least 30 days prior to any effective changes. You can also stay up to date with upcoming changes by reviewing information posted on trueskycu.org/tscu-rbfcu-merger.
Current account rates will remain the same. If rates are updated in the future, members will receive communications before any transition occurs.
While most fees will stay the same during the transition period, there are two immediate changes to fees that will occur:
- Nonsufficient Funds Fees are reducing from $32 to $24
- Overdraft Privilege Fees are reducing from $32 to $24
No. At this time, you will continue using your existing debit card(s) unless you receive notice of a change. If cards are updated or replaced in the future, members will receive instructions before any transition occurs.
No. You will continue to use the True Sky Federal Credit Union mobile app during the transition period until True Sky systems are converted to RBFCU systems in late 2027.
The merger with RBFCU became official on Oct. 1, 2026. While the combined credit union is now legally recognized as RBFCU, we still have significant work to do to combine our operations into one seamless organization.
True Sky systems will be converted to RBFCU systems in late 2027. As both credit unions begin to merge systems, communications will be sent out to True Sky members with information and action items. Please ensure your contact information is up to date during the entire process.
There are no planned service interruptions at this time until late 2027 when the True Sky systems will merge with RBFCU. Communications will be sent out to True Sky members with information and action items. Please ensure your contact information is up to date during the entire process.
You may receive letters in the mail or with your monthly statements. You may also receive digital communications such as email or secure messages via your Online Banking account. Please ensure your contact information is up to date during the entire process
Email communications from RBFCU will come from [email protected].
RBFCU does not plan to reduce the Oklahoma workforce as a result of the merger. Members can continue working with the True Sky employees they know, while gaining access to additional support and resources as the organizations integrate.
No. You will automatically become an RBFCU member when the credit union systems merge in late 2027.
No. You do not need to open an RBFCU account. True Sky members can continue to open accounts with True Sky. Accounts will be transferred to RBFCU when the credit union systems merge in late 2027.
No. You will not need to complete any paperwork at this time.
Members may continue applying for available True Sky consumer loans such as auto loans, mortgage loans, personal loans and credit cards. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options.
There are currently no changes to how members make loan payments, automatic payments or recurring transfers. Continue to make your loan payments using the same methods. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
Members should continue contacting True Sky through the current service channels for account, loan or payment questions.
Yes. Branches will remain and continue to operate in Oklahoma.
Yes. True Sky members will continue to receive the same local service during this time. When systems merge in late 2027, members can expect additional service support from RBFCU.
In the months ahead, True Sky members will gain access to an expanded range of financial products, services, convenience, support and benefits available through RBFCU.
Yes. Please continue using your existing debit card or credit card unless you receive notice of a change. If cards are updated or replaced in the future, members will receive instructions before any transition occurs.
Yes. There are currently no changes to how members access their accounts. As integration work continues, members will receive updates about any future changes, available tools or required actions.
Yes. All current True Sky locations will remain open
Yes. There are currently no changes to direct deposits, automatic payments or recurring transfers. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes
Yes. The merger between RBFCU and True Sky Federal Credit Union is complete, officially bringing the two organizations together as one credit union focused on expanded value, convenience and member support.
No action is required from True Sky members at this time. As both credit unions begin to merge systems, communications will be sent out to True Sky members with information and action items. Please ensure your contact information is up to date during the entire process.
While now part of the RBFCU family, True Sky members are still on True Sky systems and won’t officially become RBFCU members until systems merge in late 2027.
Yes. There are currently no changes to member accounts or how they are accessed. Please continue using your accounts as you do today and follow this page for updates as they become available.
No. There are currently no changes to member accounts or how they are accessed. Please continue using your accounts as you do today and follow this page for updates as they become available.
No. There are currently no changes to payroll or vendor payments. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes
Yes. Please continue utilizing ACH and wire services as you do today. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
No. There are currently no changes to True Sky merchant services. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
There are currently no changes to True Sky business accounts. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
Yes. Individuals interested in business loans will be referred to RBFCU, which offers a broader range of business lending options such as commercial real estate loans, SBA loans, business credit cards, commercial vehicle loans, business lines of credit and specialized collateral and equipment loans.
Members can learn more about RBFCU business loans at rbfcu.org/businessloans or contact RBFCU Business Solutions at 210-945-3800.
As of Oct. 1, 2026, True Sky business members will be referred to RBFCU for business loan products. Generally, True Sky members will not have access to RBFCU products or services until the systems merge in late 2027. If members would like to browse the products and services offered by RBFCU, they can visit rbfcu.org.
There will be no changes to current True Sky business accounts or loans. Individuals interested in business loans will be referred to RBFCU, which offers expanded business lending options such as commercial real estate loans, SBA loans, business credit cards, commercial vehicle loans, business lines of credit and specialized collateral and equipment loans.
Yes. You will still have access to the CO-OP surcharge-free ATM network.
There are currently no changes to True Sky branch drive-thru services.
There are currently no changes to True Sky Shared Branch locations. Stay up to date with upcoming changes by reviewing information posted on trueskycu.org/tscu-rbfcu-merger.
Yes. There are currently no changes to True Sky accounts and services. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
There are currently no changes to True Sky consumer products. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options.
Yes. All True Sky branches will remain operational.
There are currently no plans to close any True Sky branches.
There are currently no changes to True Sky branch hours.
True Sky members will not have access to their True Sky accounts at RBFCU Texas locations until the systems are merged in late 2027.
RBFCU is also a member of the CO-OP surcharge-free ATM network. After the merger is complete, True Sky members will continue to have access to more than 30,000 surcharge-free ATMs worldwide – including RBFCU ATMs.
No. No changes to existing loan rates or terms have been announced as part of the merger integration. Members should continue following the terms of their current loan agreements unless they are notified otherwise.
No. No changes to existing loan rates or terms have been announced as part of the merger integration. Members should continue following the terms of their current loan agreements unless they are notified otherwise.
No. All accounts and loans will be transferred to RBFCU systems once systems merge in late 2027.
Continue the application process with True Sky at this time unless notified otherwise.
There are currently no changes to True Sky consumer loan products such as auto loans, mortgage loans, personal loans and credit cards. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes
Yes. Please continue making loan payments using your current payment method unless you receive updated instructions. Members will be informed ahead of time if any payment process changes are needed.
No. No changes to existing loan rates or terms have been announced as part of the merger integration. Members should continue following the terms of their current loan agreements unless they are notified otherwise.
Members should continue applying for available True Sky consumer loans such as auto loans, mortgage loans, personal loans and credit cards. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options.
There are currently no changes to current True Sky loans. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
No. There are currently no changes to current True Sky loans. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
No. There are currently no changes to debit or credit cards. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
No. There are currently no changes to credit cards. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
No. There are currently no changes to recurring subscription payments. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
Yes. There are currently no changes to digital wallet accessibility. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
Yes. Members may continue applying for available True Sky consumer loans such as auto loans, mortgage loans, personal loans and credit cards. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options.
No. There are currently no changes to how members access their accounts. As integration work continues, members will receive updates about any future changes, available tools or required actions.
No. Please continue accessing your True Sky accounts as you do today. True Sky members will be directed to RBFCU Online Banking and the RBFCU Mobile® app once systems merge in late 2027.
No. Please continue accessing your True Sky accounts as you do today. True Sky members will be directed to RBFCU Online Banking and the RBFCU Mobile® app once systems merge in late 2027
No. At this time, True Sky members will continue using their existing debit or credit card(s) unless members receive notice of a change. If cards are updated or replaced in the future, members will receive instructions before any transition occurs.
Yes. Please continue using your existing debit card or credit card unless you receive notice of a change. If cards are updated or replaced in the future, members will receive instructions before any transition occurs.
Yes. Please continue using your existing checks unless you are notified otherwise. Any future changes related to checks, routing information or account details will be communicated before action is needed.
No. There are currently no changes to direct deposits, automatic payments or recurring transfers. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
Please continue using your existing checks unless you are notified otherwise. Any future changes related to checks, routing information or account details will be communicated before action is needed.
Yes. The National Credit Union Administration (NCUA) operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions up to $250,000. The $250,000 in coverage applies to each share owner (member), per insured credit union, for each account ownership category. For more information, you can review the “How Your Accounts are Federally Insured” pamphlet (https://ncua.gov/files/publications/guides-manuals/NCUAHowYourAcctInsured.pdf) and “Your Insured Funds” booklet https://mycreditunion.gov/sites/default/static-files/insured-funds-brochure.pdf) by the NCUA.
To estimate your coverage, use the “Share Insurance Estimator” on the NCUA’s website. (https://mycreditunion.gov/protect-your-money/share-insurance/share-insurance-estimator)
While most fees and minimum balances will remain the same during the transition period, there are three immediate changes that will occur:
- Insufficient Funds Fees are reducing from $32 to $24
- Overdraft Fees are reducing from $32 to $24
- The minimum amount needed to establish and retain membership (par value) has been reduced from $5 to $1
Continue to open new accounts with True Sky during the transition period. All accounts will be transferred to RBFCU in late 2027.
There are currently no changes to True Sky checking and savings accounts or how they are accessed. Please continue using your accounts as you do today and follow this page for updates as they become available.
Yes. When systems are merged in late 2027, all True Sky account balances will transfer to RBFCU systems.
There are currently no changes to automatic payments or recurring transfers. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
There are currently no changes to the True Sky routing number. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.
