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.
Membership eligibility required. Rates, terms and programs subject to change without notice; restrictions may apply. Subject to credit approval. The 2026 Go Beyond: Member Giveback Auto Loan Promotion begins at 12:00 a.m. Central Daylight Time (CDT) on Aug. 25, 2026 and the Credit Card Promotion begins at 12:00 a.m. Central Daylight Time (CDT) on Oct. 1, 2026. Both Promotions end at 11:59 p.m. Central Standard Time (CST) on Dec. 31, 2026 (“Auto Loan Promotion Period” and “Credit Card Promotion Period”). Participation in one Promotion offer does not automatically qualify a member for any other Promotion offer. Members must independently satisfy all eligibility and approval requirements applicable to each product. Eligible new and current RBFCU members may qualify for promotional auto loan Annual Percentage Rates (APRs) during the Auto Loan Promotion Period. Promotional rates are available on qualifying new and used vehicle loans and auto loan refinances subject to credit approval and other underwriting criteria. Eligible auto loan refinances may include existing loans financed through RBFCU or another lender, subject to vehicle eligibility requirements and underwriting approval. RBFCU Members must be active and in good standing to be eligible during the Credit Card Promotion Period. Cash-back rewards available upon World Cash Back and/or Business Select Mastercard credit card activation. Non-purchase transactions do not qualify for rewards. 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. Contact the Consumer Lending Center for complete details. Refer to full Terms and Conditions at rbfcu.org/giveback.
Auto Loan Rate Offer
1Rate advertised is for well-qualified borrowers based on credit factors and other criteria. Other rates and terms may be available. Monthly payments vary based on interest rate borrower is approved for and amount borrowed. FOR EXAMPLE: A 60-month new auto loan with a 4.49% fixed APR, available for well-qualified borrowers, would have estimated monthly payments of $18.71 per one thousand dollars borrowed. A 72-month new auto loan with a 4.75% fixed APR would have estimated monthly payments of $16.06 per one thousand dollars borrowed. Loans subject to credit approval and rates and terms are subject to change. Some restrictions may apply. Contact our Consumer Lending Center for complete details. Promotional rate offer ends at 11:59 p.m. CST on Dec. 31, 2026.
Thrice is Nice
Cash-back rewards earned may remain in pending status until the 1st of the following month. Cash rewards are forfeited if your World Cash Back and/or Business Select credit card is closed before redemption.
Standard cash-back rate of 2% resumes Jan. 1, 2027.
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.
Registration/activation required. MemberSafe® service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. 2Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. Service is not available to a “signer” on the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students. Please refer to the actual policies for terms, conditions, and exclusions of coverage.
3Credit Score is a VantageScore 3.0 based on TransUnion data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
4After your first credit score request, your credit score will automatically be refreshed each month and plotted on your Credit Score Tracker graph. You’ll receive monthly email notifications letting you know when your new score is ready.
Insurance products are not deposits; not NCUA insured; not an obligation of Randolph-Brooks Federal Credit Union (RBFCU); and not guaranteed by RBFCU or any affiliated entity.
Enrolling in Alerts is free, but you may be charged for text messages by your mobile wireless provider. Alerts are a supplemental service and are not a replacement for responsible account review and management. You are responsible for any fees or charges incurred on your account whether you receive your Alerts or not. For complete details, please read the RBFCU SMS (Text) Message Alerts Terms & Conditions.
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 does not charge a fee for the RBFCU Mobile app, but you may be charged for data by your mobile wireless provider.
Mortgage loans subject to credit approval. Programs, rates, and terms are subject to change without notice. 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. Mortgage loans available only on property in Texas. Home Equity Loans and HELOCs are available on your primary residence only. NMLS# 583215.
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, 2027. 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 our Consumer Lending Center. Offer valid through Dec. 31, 2026.
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.
This 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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