RBFCU Rates

Calculate Your Estimated Payment

Calculate Your Estimated Payment

* For well-qualified buyers.

Calculate Your Estimated Payment

* For well-qualified buyers.

To be eligible for financing, boat length may not exceed 26 feet.

Calculate Your Estimated Payment

* For well-qualified buyers.

Calculate Your Estimated Payment

* For well-qualified buyers.

Calculate Your Estimated Payment

* For well-qualified buyers.

Calculate Your Estimated Payment

* For well-qualified buyers.

Conventional Loans exceeding 80% Loan to Value may require Private Mortgage Insurance (PMI). Origination fees may apply.

Primary Residence and Second Homes available.

Second Home - 10% equity required and limited to 15 Yr, 10 Yr and 7 Yr term options only.

Loan amounts greater than $806,500. Loans exceeding 80% Loan-to-Value may require Private Mortgage Insurance (PMI). Jumbo loans may require larger down payments and additional qualifications. Origination fees may apply.

Primary Residence and Second Homes available.

The 5/5 Adjustable-Rate Mortgage begins with a low, fixed initial rate, for the first 5 years. It can then adjust up or down every 5 years thereafter. The rate can change at each adjustment period by no more than 3 percentage points up or down. It will never exceed 5 percentage points above the initial rate. When the rate adjusts, your new rate will be based on the current index (plus margin). The minimum down payment for an ARM is 5%.

Loan amounts greater than $806,500. The Adjustable-Rate Mortgage begins with a low, fixed initial rate, for the first 5 years. It can then adjust up or down every 5 years thereafter. The rate can change at each adjustment period by no more than 3 percentage points up or down. It will never exceed 5 percentage points above the initial rate. When the rate adjusts, your new rate will be based on the current index (plus margin). The minimum down payment for an ARM is 5%.

5% equity required. Only available for first lien mortgage on primary residence or second home.

Investment property loans are available on one-to-four family residential properties only. Limited to an individual’s name only (no entities). Minimum 20% equity required. Maximum loan term of 15 years. Balloon notes are not available. Loans subject to credit approval. Rates and terms subject to change without notice. Origination fees may apply. Mortgage loans are available only on property in Texas.

Financing available up to 125% loan to value, subject to rate adjustments and additional qualifications. As a safeguard, a 5-day cooling-off period is required by Texas law before home improvement loans may be closed. A 3-day right of rescission is also required after closing before the funds may be disbursed. Jumbo loans may require larger down payments and additional qualifications.

Rates listed are based on 80% loan to value. Financing available up to 100% loan to value subject to rate adjustments and additional qualifications.

Rates listed are based on 80% loan to value. Financing available up to 90% loan to value subject to rate adjustments and additional qualifications. Origination fees may apply. The construction phase is up to 1 year in addition to terms listed above. The payment during this phase is based on the accrued interest and collected at each draw based on loan balance outstanding.

Loan amounts greater than $806,500. Rates listed are based on 80% loan to value. Financing available up to 90% loan to value subject to rate adjustments and additional qualifications. Origination fees may apply. The construction phase is up to 1 year in addition to terms listed above. The payment during this phase is based on the accrued interest and collected at each draw based on loan balance outstanding.

Proof of eligibility may be required. No down payment required. Only available for first lien mortgage on primary residence in state of Texas. Loans subject to credit approval. Rates and terms subject to change without notice.

This special program is available for actively practicing medical doctors, dentists, dental surgeons, or veterinarians. (MD, DO, OD, DPM, DDS, DMD, DVM, or VMD). You are also eligible if you are (1) currently employed as a newly licensed medical resident, (2) in residency, or (3) about to begin new employment/residency within 60 days of closing on your home. No down payment required. Only available for first lien mortgage on primary residence in state of Texas. Loans subject to credit approval. Proof of eligibility may be required. Rates and terms subject to change without notice.

At least 20% equity is required to secure a home equity loan. APR means Annual Percentage Rate. 30-year terms for Home Equity Loans are only offered as the first lien on the property. Generally, closing costs will be paid by the credit union. However, in some instances certain costs will be paid by the member. Minimum loan amount is $4,000.

Rates above assume 1st lien position. 2nd lien rates will be priced higher than 1st lien.

At least 20% equity is required to secure a home equity loan. APR means Annual Percentage Rate. 30-year terms for Home Equity Loans are only offered as the first lien on the property. Generally, closing costs will be paid by the credit union. However, in some instances certain costs will be paid by the member. Minimum loan amount is $4,000.

Rates above assume 1st lien position. 2nd lien rates will be priced higher than 1st lien.

The rate is based on an index minus a margin. The index is the Prime Rate as published in the Wall Street Journal (as of 03/13/2025, the variable rate is 7.065% APR). APR means Annual Percentage Rate. The variable APR may increase or decrease quarterly, not to exceed an APR of 15%. Rates and terms are for illustrative purposes only and are subject to change without notice. Restrictions may apply.

Minimum Payment Requirements: Minimum monthly payment is calculated after each credit advance, based on your balance rounded up to the nearest $1,000.00. Your payment amount will remain the same unless you obtain another credit advance. We will recalculate your payment each time you obtain an advance. Ex: a HELOC with $50,000 balance will require a $700 payment at the time of the draw ($50,000 balance ÷ 1,000 = 50 x $14 = $700).

Minimum draw amount is $4,000.