TERMS & CONDITIONS
Membership eligibility is required for all loan products and savings products. Additional restrictions may apply. Contact the Consumer Lending Center for complete details.
Membership eligibility required for Go Beyond: Member Giveback promotions. Rates, terms and programs subject to change without notice; restrictions may apply. Credit cards subject to credit approval. The effective dates for the Go Beyond: Member Giveback are 12 a.m., Wednesday, Oct. 1 through 11:59 p.m., Dec. 31, 2025. 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.
1RBFCU does not charge a fee for this service. However, if we process a transaction in accordance with your instructions that overdraws your account with us, we may assess a fee for any such overdraft in accordance with the terms of the Membership Agreement.
2For complete details, read the RBFCUsend User Agreement.
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.
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.
Loans are subject to credit approval. Rates and terms are subject to change without notice. Some restrictions may apply for the RBFCU Holiday Loan. For more details, contact the Consumer Lending Center. Holiday Loan offer valid Oct. 15 through Dec. 31, 2025.
Vehicle loans are subject to credit approval and rates are subject to change. Contact our Consumer Lending Center for more details.
360 days no payment for qualified members. Interest will accrue during deferment period.
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.
4Benefits are available to personal checking account owner(s), their joint account owners and eligible family members subject to the terms and conditions for the applicable benefits. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Registration/Activation required.
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.
Estate Planning 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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