RBFCU Go Beyond: Member Giveback

Members should contact the Consumer Lending Department at 210-945-3300 for assistance.

The promotional rate will remain in effect for the entire life of the loan, provided the loan continues to meet the terms and conditions of the agreement.

No. Members must apply for the loan through the standard auto loan application process. The offer cannot be accepted separately online.

Members may be notified through a variety of marketing channels, including email, social media, mobile app advertisements, secure messages, and other RBFCU communications.

No. The promotional 4.49% APR rate applies only to eligible passenger vehicle auto loans. Toy and recreational vehicles, including, but not limited to, motorcycles, boats, RVs, campers, travel trailers, ATVs, UTVs, personal watercraft and similar vehicles, are not eligible for this promotional rate. Standard RBFCU rates and terms for those vehicle types will apply.

This offer applies to new, used, and refinanced auto loans. Vehicles financed through RBFCU may qualify. Certain vehicle types may have different lending requirements or rates.

Membership is required prior to loan funding. Eligible individuals may apply for membership and, if approved, may apply for an RBFCU Auto Loan.

No. There are no loan-related fees associated with obtaining a loan. Members should consult an RBFCU representative for details specific to their loan.

Vehicle type and age may be considered when determining loan eligibility and final rate.

Rates are subject to change and are determined at the time the loan is finalized. Members should discuss timing with an RBFCU representative.

A well-qualified borrower generally has strong creditworthiness and meets RBFCU underwriting requirements and multiple factors which may include loan characteristics, collateral and other underwriting criteria. Eligibility is determined through the loan application and approval process.

No. The advertised 4.49% APR is the lowest available rate for terms up to 60 months and for well-qualified borrowers who meet program requirements. Not all applicants will qualify for the lowest rate.

Adding a co-borrower may impact the loan application review. Final rates are determined based on all applicable underwriting factors.

Yes. To receive the Auto Loan promotional rate, all required actions must be satisfied and the loan must be finalized within sixty (60) days from the date the application was entered.

The promotional rate is scheduled to end Dec. 31, 2026. Rates available after that date will be subject to RBFCU's standard pricing in effect at that time.

Members may be eligible for the promotional rate if the loan is finalized during the promotional period and meets all promotional requirements. Final eligibility is determined at loan closing.

Members with an existing preapproval should speak with an RBFCU representative regarding promotional rate eligibility and loan finalization requirements.

No. Pre-approval does not guarantee a specific interest rate. The final rate is determined when the loan is reviewed and finalized.

No. The promotional rate is intended for eligible consumer auto loans. Business-purpose vehicle financing may be subject to different rates and terms.

Eligible lease buyouts may qualify, subject to RBFCU underwriting requirements and credit approval.

Yes. Eligible private-party vehicle purchases may qualify, subject to RBFCU lending requirements and credit approval.

No. The promotional rate cannot be combined with any other rate offers or discounts.

Not necessarily. Down payment requirements, if any, are based on RBFCU underwriting guidelines and the details of the financing request.

Standard lending guidelines apply. Final approval, terms and rates are based on creditworthiness and loan details.

Standard RBFCU lending guidelines apply. Loan eligibility and terms are subject to credit approval and underwriting requirements.

Members with an existing approval should speak with an RBFCU representative to determine whether the loan can be finalized under the promotional offer based on timing and other factors such as creditworthiness, vehicle characteristics, loan amount, loan-to-value, and term.

To receive the promotional rate, the application needs to be entered no later than 11:59 pm on Dec. 31, 2026. All underwriting and eligibility requirements must also be met. Members have 60 days from the date of application to finalize the loan. 

Vehicle age may be considered when determining loan eligibility and rate. Final rates are based on RBFCU underwriting criteria.

The promotional rate is available for well-qualified borrowers with loan terms of 60 months or less. Longer loan terms may result in a different rate.

Not necessarily. Monthly payment amounts depend on various factors, including loan balance, rate, term and amount financed.

Yes. Existing RBFCU auto loans are eligible to be refinanced into the promotional rate.

Yes. Eligible loans from another lender may be refinanced and could qualify for the promotional rate, subject to credit approval loan amount, collateral and underwriting criteria.

Yes. Eligible vehicles purchased through participating dealerships may qualify for the promotional rate, subject to credit approval and underwriting requirements.

Yes. Eligible new and used vehicle purchases may qualify for the promotional rate. Final rate eligibility is based on factors including credit history, collateral, loan amount and loan term.

No. This change only applies to auto loans finalized on or after Aug. 25, 2026.

To qualify for the 4.49% APR rate, factors including credit history, collateral, term, and amount financed will determine the final rate.

While 4.49% APR is the best rate available for up to 60 months, several other factors, including credit history, collateral and amount financed, determine your final loan rate and terms.

The change will be effective Tuesday, Aug. 25, 2026, through Thursday, Dec. 31, 2026.

RBFCU is implementing an interest rate decrease as part of our 2026 Go Beyond: Member Giveback.

No. RBFCU does not offer a discount on rates.

This is a limited-time promotion. The effective dates for the Go Beyond: Member Giveback credit card promotion are 12 a.m. Central Daylight Time (CDT), Thursday, Oct. 1, 2026, through 11:59 p.m. Central Standard Time (CST), Dec. 31, 2026.

Yes. Purchases made online with your World Cash Back Mastercard^® or Business Select Mastercard^® during the promotion qualify for 3% cash-back rewards. In-store purchases also qualify for 3% cash-back rewards.

Every time you make a qualifying purchase with your RBFCU World Cash Back Mastercard^® during the promotion, 3% of the purchase will be credited to your World Cash Back Rewards balance and can be accessed through uChoose Rewards.

(NOTE: We reserve the right to disqualify transactions that are not usual or customary and appear to be structured or intended to abuse the program.)

You can access your 3% cash-back rewards when you sign in to your Online Banking account at rbfcu.org or the RBFCU Mobile app. In Online Banking, cardholders can go to uChoose Rewards to see credits to their World Cash Back or Business Select rewards balance(s) and also redeem rewards. You control how you redeem your rewards, including:

• Deposit to your RBFCU checking account
• Statement credit
• Pay with points
• Gift cards
• Travel
• Merchandise

If you return or receive a refund for a transaction that earned 3% cash-back rewards, the corresponding reward amount will be reversed. The reversal will reflect in your account based on the original reward structure.

During the 3% cash-back rewards promotion, World Cash Back Mastercard^® and Business Select Mastercard^® cardholders earn 3%² total cash-back rewards on purchases. This means cardholders will receive an additional 1% more in cash-back rewards during the promotional period through Dec. 31, 2026.

²Standard rewards resume Jan. 1, 2027.

The Business Select Mastercard^® can be used to earn 3% cash-back rewards during this promotion. However, the Premier Rate Mastercard^® is not eligible.

No. This year's Go Beyond: Member Giveback promotion does not include a debit card cash-back offer. To earn 3% cash-back rewards, purchases must be made with an RBFCU World Cash Back Mastercard^® or Business Select Mastercard^® during the promotional period.

No. Balance Transfers and Cash Advances do not qualify for 3% cash-back rewards. Purchases online or in person with your World Cash Back Mastercard^® or Business Select Mastercard^® qualify. However, finance charges, fees and any other non-purchase transactions do not qualify for rewards.

You can access your cash-back rewards balance through your Online Banking account at rbfcu.org or the RBFCU Mobile^® app. In Online Banking, cardholders can go to uChoose Rewards to see credits to World Cash Back or Business Select rewards balance(s) and also can redeem. Cash-back rewards earned may remain in pending status until the 1st of the following month.

Yes, because the 3% cash-back rewards do not expire. You can use them during or after the promotion ends. You can combine them with rewards you have accumulated before the promotion. (Note: Cash-back rewards are forfeited if your World Cash Back Mastercard^® or Business Select Mastercard^® is closed before redemption.)

Use of the World Cash Back card by a Joint Account and Authorized user will count toward the accumulation of 3% cash-back rewards. The cash-back rewards are deposited into the main account holder's rewards balance.

No. All the benefits and features that you currently enjoy with your card remain unchanged during the promotion.

Yes. Purchases made using tap payments at a retailer and mobile wallet payments qualify for 3% cash-back rewards.

No. There is no added fee for the RBFCU World Cash Back Mastercard^® at any time, including during the promotion.