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.