TERMS & CONDITIONS
Membership eligibility required for all loan products and savings products. Additional restrictions may apply.
Deposits are federally insured by NCUA. Additional restrictions may apply. RBFCU Certificate Accounts minimum initial deposit and minimum balance 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.
Apple, Apple Pay, iPhone, iPad and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
Garmin and Garmin Pay are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S.
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 does not charge a fee for the RBFCU Mobile® app, but you may be charged for data by your mobile wireless provider.
RBFCU Mobile Wallet Agreement.
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.
160-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. Contact the Consumer Lending Center for complete details.
Mortgage loans available only on property in Texas. Loans subject to credit approval. Rates, terms and programs subject to change without notice. Restrictions may apply. NMLS# 583215.
Skip a loan payment is for qualified members only. To ensure accurate processing of your deferral request, it should be received no later than seven days prior to your loan payment due date. By accepting this offer, you acknowledge that interest will continue to accrue on the outstanding balance of your loan, the maturity date will be extended and your regular payment will resume in the month following your skipped payment. Your final due date will be extended each time you accept a Skip-A-Payment and it is approved/processed. You must submit your request through Online Banking for payment deferral to occur. For members who have Guaranteed Asset Protection (GAP), claim coverage may not extend the amount of payment deferred and/or extend the length of the GAP contract. You agree that by skipping your payment, your original GAP waiver election remains in effect. We reserve the right to decline any request for any reason. Loan payments and rates stay the same and there is no fee or penalty to skip your payment. Payments will resume in the month following your skipped payment and unpaid interest will be collected first. Randolph-Brooks Federal Credit Union (RBFCU) is not responsible for starting or stopping ACH transactions originated at another financial institution. If your payments are made by automatic transfer from another financial institution, please notify them regarding any ACH transactions associated with this account. RBFCU is not responsible for starting or stopping any payments originated through an electronic bill pay service. If your loan is scheduled to be paid by an electronic bill pay service (i.e., Bill Pay, CheckFree, etc.), it is your responsibility to stop the payment so it does not process for the month you wish to skip. RBFCU is not responsible for any fees incurred on overdrawn accounts or assessed late payment fees. Skip-A-Pay is not available on credit builder or ® certificate loans, real estate related loans, business accounts, Mastercard credit cards and lines of credit through this promotion. *Skip-A-Pay option cannot be used for two consecutive months. If you have utilized the Skip-A-Pay option for the current month, you will not be eligible to use this program for the following month.
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.
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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