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.
Car loans subject to credit approval and rates and terms are subject to change. Some restrictions may apply. 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. Contact our consumer Lending Center for complete details. Promotional rates offer ends at 11:59 p.m. CST on Dec. 31, 2026. Refer to full Terms and Conditions at rbfcu.org/giveback.
*Rate 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.
Deposits are federally insured by NCUA. Subject to change without notice. Early withdrawal penalties on certificates will be imposed for early withdrawal. Minimum initial deposit and minimum balance is $1,000.
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.
RBFCU does not charge a fee for the RBFCU Mobile® app, but you may be charged for data by your mobile wireless provider.
Credit cards are subject to credit approval. Program availability, rates and terms subject to change.
The Cash Back rewards program pays a reward for each qualified purchase completed with your Card. ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and any other non-purchase transactions do not qualify for rewards. Cash back rewards are redeemable online through the uChoose Rewards® program. Cash rewards are forfeited if your Card is closed before redemption. 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.
Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact RBFCU for complete coverage terms and conditions or call 1-800-Mastercard (1-800-627-8372) for assistance. Applicable to U.S. cardholders only.
Vehicle loans are subject to credit approval. Your specific rate and term will be dependent upon your credit rating and other factors. Rates and terms subject to change without notice. Some restrictions may apply. Contact our Consumer Lender Center for more details.
Mortgage Loans subject to credit approval. Rates and terms subject to change without notice. Mortgage loans available only on property in Texas. Restrictions may apply. Your interest rate can change in 60 months, and every 60 months thereafter beginning with payment number 61. NMLS# 583215.
Not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
RBFCU Insurance Agency LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU).
Medicare Supplement Insurance Plans, or Medigap Insurance Plans, and Medicare Advantage Plans are offered by certain agents of Randolph-Brooks Federal Credit Union (RBFCU) through PTT Financial, LLC.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Each insurer has sole financial responsibility for its own products.
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