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.
Food donations are accepted at participating RBFCU branches during the campaign period. Participation is voluntary. Details may vary by location.
Membership eligibility required. Rates, terms and programs subject to change without notice; restrictions may apply. Credit cards subject to credit approval. The 2026 America 250: 2.5% Cash-Back Rewards begins at 12:00 a.m. Central Daylight Time (CDT) on July 1, 2026 and ends at 11:59 p.m. Central Daylight Time (CDT) on July 31, 2026 (“Promotion Period”). RBFCU Members must be active and in good standing to be eligible. Members who earn 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. Cash-back rewards earned may remain in pending status until the 1st of the following month. *Standard cash-back rate of 2% resumes Aug. 1, 2026. Cash rewards are forfeited if your World Cash Back credit card or Business Select credit card is closed before redemption. Refer to full Terms and Conditions.
Deposits are federally insured by NCUA. Programs subject to change without notice. Restrictions may apply. Direct Deposit and early payment of funds subject to timing of originator funding. Additional qualifications may apply. 1Terms and conditions may apply. ClickSWITCH is unable to process Direct Deposit switches for Representative Payee accounts used to receive Social Security Administration (SSA) benefits. To update deposit information, please contact the SSA directly.
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.
Auto loans subject to credit review and 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. Some restrictions may apply. For complete details, contact the Consumer Lending Center.
260-day, no-payment option for qualified members only. Interest will accrue during the deferment period.
Mortgage loans subject to credit approval. Rates and terms subject to change without notice. Mortgage loans available only on property in Texas. Additional qualifications including debt-to-income (DTI) limits are required to obtain 100% financing on land loans. Restrictions may apply. NMLS# 583215.
RBFCU does not charge a fee for the RBFCU Mobile® app, but you may be charged for data by your mobile wireless provider.
Student loans are made by Sallie Mae Bank or a lender partner. RBFCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
3Although a penalty fee is not charged if you prepay your loan, any prepayment will be applied as outlined in your promissory note — first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
RBFCU Trust Services is a division of RBFCU Investments Group LLC. RBFCU Investments Group LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Trust services available through Members Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency.
Trust and Investment products are not federally insured, are not obligations of or guaranteed by the credit union or any affiliated entity and involve investment risks, including the possible loss of principal.
RBFCU Trust Services article is for informational purposes only and is not intended to provide legal or tax advice regarding your situation. For legal or tax advice, please consult your attorney and/or accountant.
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