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.
Deposits federally insured by NCUA. Rates, terms and program subject to change without notice. Restrictions may apply. Minimum initial deposit and minimum balance for RBFCU Certificate accounts is $1,000. Penalty for early withdrawal may reduce earnings.
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.
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. Features using contacts to transfer and request money are currently available on the RBFCU Mobile app only. Transfer recipients that are not RBFCU members must use a Mastercard- or Visa-branded debit card to accept any RBFCUsend transfers.
All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names does not represent endorsement by or association with RBFCU.
Cash Advances and Balance Transfers may not exceed your available credit limit. The use of a Mastercard Cash Advance to transfer a balance will result in a Cash Advance Fee. Cash-back rewards or points are not earned on Balance Transfers or Cash Advances. Terms subject to change; other restrictions apply. Contact the Payment Services Department for complete details.
RBFCU Bill Pay is a free service for members. An active RBFCU checking, debit or credit card is required to use the service. Restrictions may apply. For complete details, please read the RBFCU Bill Pay Terms of Service.
Auto loans are subject to credit approval. Your specific rate and term will be dependent upon your credit rating and other factors. Rates and terms are subject to change without notice. Contact our Consumer Lending Center for more details.
260-day, no-payment option for qualified members only. Interest will accrue during the deferment period.
Credit cards are subject to credit approval. Program availability, rates and terms are subject to change. Certain benefits of the RBFCU World Cash Back Mastercard credit card will be unavailable to cardholders until the World Cash Back credit card has been activated. The Cash Back rewards program pays a reward 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. Cash back rewards are redeemable online through the uChoose Rewards® program. Cash rewards are forfeited if your Card is closed before redemption. 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. Contact the Consumer Lending Center for complete details.
Mastercard travel and lifestyle services available upon World Cash Back credit card activation.
Mortgage loans subject to credit approval. Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas. As a safeguard, a 5-day cooling-off period is required by Texas law before home improvement loans may be closed. A 3-day right of rescission is also required after closing before the funds may be disbursed. NMLS# 583215
Direct Deposit and early payment of funds subject to timing of originator funding.
TurboTax offer: Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/.
H&R Block offer: Void if sold, purchased, or transferred and where prohibited. No cash value. Valid at participating U.S. offices only. A new client is an individual who did not use H&R Block or Block Advisors office services to prepare their 2025 tax return. Discount valid only with or for preparation of an original 2025 personal Income tax return. Coupon must be presented prior to completion of initial tax interview. Discount may not be combined with any other offer or promotion. Expires October 15, 2026. OBTP# 13696-BR ©2025 HRB Tax Group, Inc. All tax situations are different. Not everyone gets a refund. See hrblock.com/guarantees for complete details.
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.
3Ameriprise 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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