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.
Minimum initial deposit and minimum balance for RBFCU Share Certificates is $1,000. Early withdrawal penalties will be imposed for early withdrawal. Deposits are federally insured by NCUA.
1For complete details, read the RBFCUsend User Agreement.
2Transfer recipients that are not RBFCU members must use a Mastercard- or Visa-branded debit card to accept any RBFCUsend transfers.
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.
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.
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.
Mortgage loans subject to credit approval and available only on property in Texas. Rates and terms subject to change without notice. Home Equity Loans and HELOCs are available on your primary residence only. Under Texas law, the maximum amount you can borrow with any Home Equity Loan or a HELOC is 80% of your home’s appraised value. 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.
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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