TERMS & CONDITIONS
Membership eligibility is required for all loan products and savings products. Loans subject to credit approval. Additional restrictions may apply. Contact the Consumer Lending Center for complete details.
The 2025 Go Beyond: Member Giveback begins at 12:00 a.m. Central Daylight Time (CDT) on Oct. 1, 2025 and ends at 11:59:59 p.m. Central Standard Time (CST) on Dec. 31, 2025 (“Promotion Period”). RBFCU Members must be active and in good standing to be eligible. Cash-back rewards available upon Freedom Debit Card and World Cash Back credit card activation. Non-purchase transactions do not qualify for rewards. Members who earn cash back and cash-back rewards but subsequently become ineligible as of the payout dates will not receive the distribution and will not be notified. 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. Refer to full Terms and Conditions at rbfcu.org/giveback.
Dime after Dime: Accumulated 10¢ Cash Back rewards will be conveniently deposited into your Really Free Checking account within 60 business days of the end of the promotional period.
Thrice is Nice: Cash-back rewards earned may remain in pending status until the 1st of the following month. *Standard cash-back rate of 2% resumes Jan. 1, 2026. Cash rewards are forfeited if your World Cash Back Credit card is closed before redemption.
Insurance products are offered through RBFCU Insurance Agency LLC, a wholly-owned subsidiary of RBFCU Services LLC and an affiliate of Randolph-Brooks Federal Credit Union (RBFCU). RBFCU Insurance Agency LLC is operated by Banc Insurance Agency. Business conducted with RBFCU Insurance Agency LLC is separate and distinct from any business conducted with RBFCU. Insurance products are not deposits; are not obligations of RBFCU; are not NCUA insured; are not issued by or guaranteed by RBFCU or any other affiliate, and may lose value. Any insurance required as a condition of the extension of credit by RBFCU need not be purchased from RBFCU Insurance Agency LLC but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.
Direct Deposit and early payment of funds are subject to timing of originator funding. Deposits are federally insured by NCUA.
RBFCU does not charge a fee for the RBFCU Mobile app, but you may be charged for data by your mobile wireless provider. Transfers are limited to the available funds in your account. See the RBFCU Funds Availability Policy for details.
1For complete details, read the RBFCUsend User Agreement.
All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with RBFCU.
RBFCU Holiday Loan is subject to credit approval. The specific rate will be dependent upon your credit rating and other factors. Rate and terms are subject to change without notice. To receive the Holiday Loan promotional rate, all required actions must be satisfied and the loan must be finalized within 60 days from the date the application was entered and no later than January 5, 2026. Payment examples: 12 payments of $88.00 for a $1,000 loan at 7.7% APR; 12 payments of $92.00 for a $1,000 loan at 16.0% APR. Some restrictions may apply. For more details, contact the Consumer Lending Center. Offer valid through Dec. 31, 2025.
Vehicle loans are subject to credit approval. Your specific rate and term will be dependent upon your credit rating and other factors. Rates and terms subject to change without notice. Some restrictions may apply. Contact our Consumer Lender Center for more details.
100% financing for primary residence only. Proof of eligibility may be required. Loans subject to credit approval. Rates, terms and programs subject to change without notice. Mortgage loans available only on property in Texas. Restrictions may apply. NMLS# 583215.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
2Ameriprise Financial Services has a partnership with this financial institution to provide financial planning services and solutions to clients. The financial institution is not an investment client of Ameriprise but has a revenue sharing relationship with us that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.
Ameriprise Financial is not affiliated with the financial institution.
Ameriprise Financial cannot guarantee future financial results.
RBFCU Investments Group is a financial advisory practice of Ameriprise Financial Services, LLC.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
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