RBFCU Rates

RBFCU offers competitive rates and options on our loan and share products. We strive to ensure each member has the tools and resources needed to work toward a healthy financial future. Whether you need an auto loan, a personal loan, a savings account or a mortgage, we’re here to offer you the products you need at the best rate possible.

Below are our annual percentage rates (APR) and annual percentage yields (APY) associated with share accounts, consumer loans, mortgages and home equity loans.

Share Rates

See our rates for savings and checking accounts, Money Market accounts, and IRA accounts.

The Annual Percentage Yield is current as of: 04/15/2025

Savings
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Minimum Opening Balance* Dividend Rate APY

Minimum Opening Balance*:$1 Dividend Rate:0.30% APY:0.30%

*A $1 minimum balance is required to open a savings account and earn the stated APY.
Checking
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Minimum Opening Balance* Dividend Rate APY

Minimum Opening Balance*:$0 Dividend Rate:0.05% APY:0.05%

*A checking account balance greater than $0 is required to earn the stated APY.

Minimum Opening Balance*	Dividend Rate	APY
Minimum Opening Balance*:$1	Dividend Rate:0.30%	APY:0.30%

Minimum Opening Balance*	Dividend Rate	APY
Minimum Opening Balance*:$0	Dividend Rate:0.05%	APY:0.05%

RBFCU Classic Money Market

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Amount	Dividend Rate	APY
Amount:$2,500 - $24,999.99	Dividend Rate:1.80%	APY:1.81%
Amount:$25,000 - $74,999.99	Dividend Rate:1.80%	APY:1.81%
Amount:$75,000 - $149,999.99	Dividend Rate:2.25%	APY:2.27%
Amount:$150,000+	Dividend Rate:2.50%	APY:2.53%

An RBFCU Classic Money Market Account requires a minimum balance of $2,500. Earn the first-tier APY on the entire balance up to $24,999.99 when the minimum balance is maintained. Earn the second-tier APY on balances between $25,000 and $74,999.99. Earn the third-tier APY on balances between $75,000 and $149,999.99. Earn the fourth-tier APY on balances greater than $150,000. Rates may change after the account is opened.

RBFCU Choice Money Market

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Amount	Dividend Rate	APY
Amount:$2,500 - $10,000	Dividend Rate:2.25%	APY:2.27%
Amount:$10,000.01 - $25,000	Dividend Rate:1.95%	APY:1.97%
Amount:$25,000.01+	Dividend Rate:1.80%	APY:1.81%

For blended tier rate accounts (RBFCU Choice Money Market), each tier of your total balance adds up to a blended APY. An RBFCU Choice Money Market Account requires a minimum balance of $2,500. Earn the first-tier APY on the entire balance up to $10,000.00 when the minimum balance is maintained. Earn the second-tier APY on balances between $10,000.01 and $25,000. Earn the third-tier APY on balances greater than $25,000. Rates may change after the account is opened.

RBFCU Choice Money Market Accounts are limited to one per member as the primary owner. A member may be joint on multiple RBFCU Choice Money Market Accounts.

IRA Savings
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Minimum Opening Balance* Dividend Rate APY

Minimum Opening Balance*:$1 Dividend Rate:0.50% APY:0.50%

*A $1 minimum balance is required to open an IRA Savings account and earn the stated APY.

Minimum Opening Balance*	Dividend Rate	APY
Minimum Opening Balance*:$1	Dividend Rate:0.50%	APY:0.50%

SuperSaver Certificate

Months	Amount*	Dividend Rate	APY
Months:18	Amount*:$1,000 - $4,999.99	Dividend Rate:3.92%	APY:3.99%
Months:18	Amount*:$5,000 - $19,999.99	Dividend Rate:3.96%	APY:4.03%
Months:18	Amount*:$20,000 - $74,999.99	Dividend Rate:4.02%	APY:4.09%
Months:18	Amount*:$75,000+	Dividend Rate:4.12%	APY:4.20%

Certificate

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Months	Amount*	Dividend Rate	APY
Months:6 - 11	Amount*:$1,000 - $4,999.99	Dividend Rate:3.83%	APY:3.90%
Months:6 - 11	Amount*:$5,000 - $19,999.99	Dividend Rate:3.93%	APY:4.00%
Months:6 - 11	Amount*:$20,000 - $74,999.99	Dividend Rate:3.97%	APY:4.04%
Months:6 - 11	Amount*:$75,000+	Dividend Rate:4.07%	APY:4.15%
Months:12 - 23^**	Amount*:$1,000 - $4,999.99	Dividend Rate:3.88%	APY:3.95%
Months:12 - 23^**	Amount*:$5,000 - $19,999.99	Dividend Rate:3.92%	APY:3.99%
Months:12 - 23^**	Amount*:$20,000 - $74,999.99	Dividend Rate:3.98%	APY:4.05%
Months:12 - 23^**	Amount*:$75,000+	Dividend Rate:4.07%	APY:4.15%
Months:24 - 35	Amount*:$1,000 - $4,999.99	Dividend Rate:3.69%	APY:3.75%
Months:24 - 35	Amount*:$5,000 - $19,999.99	Dividend Rate:3.74%	APY:3.80%
Months:24 - 35	Amount*:$20,000 - $74,999.99	Dividend Rate:3.88%	APY:3.95%
Months:24 - 35	Amount*:$75,000+	Dividend Rate:3.98%	APY:4.05%
Months:36 - 47	Amount*:$1,000 - $4,999.99	Dividend Rate:3.65%	APY:3.71%
Months:36 - 47	Amount*:$5,000 - $19,999.99	Dividend Rate:3.71%	APY:3.77%
Months:36 - 47	Amount*:$20,000 - $74,999.99	Dividend Rate:3.79%	APY:3.86%
Months:36 - 47	Amount*:$75,000+	Dividend Rate:3.84%	APY:3.91%
Months:48 - 59	Amount*:$1,000 - $4,999.99	Dividend Rate:3.45%	APY:3.51%
Months:48 - 59	Amount*:$5,000 - $19,999.99	Dividend Rate:3.49%	APY:3.55%
Months:48 - 59	Amount*:$20,000 - $74,999.99	Dividend Rate:3.60%	APY:3.66%
Months:48 - 59	Amount*:$75,000+	Dividend Rate:3.64%	APY:3.70%
Months:60 - 71	Amount*:$1,000 - $4,999.99	Dividend Rate:3.45%	APY:3.51%
Months:60 - 71	Amount*:$5,000 - $19,999.99	Dividend Rate:3.49%	APY:3.55%
Months:60 - 71	Amount*:$20,000 - $74,999.99	Dividend Rate:3.59%	APY:3.65%
Months:60 - 71	Amount*:$75,000+	Dividend Rate:3.65%	APY:3.71%
Months:72 - 83	Amount*:$1,000 - $4,999.99	Dividend Rate:3.35%	APY:3.40%
Months:72 - 83	Amount*:$5,000 - $19,999.99	Dividend Rate:3.40%	APY:3.45%
Months:72 - 83	Amount*:$20,000 - $74,999.99	Dividend Rate:3.50%	APY:3.56%
Months:72 - 83	Amount*:$75,000+	Dividend Rate:3.55%	APY:3.61%
Months:84	Amount*:$1,000 - $4,999.99	Dividend Rate:3.26%	APY:3.31%
Months:84	Amount*:$5,000 - $19,999.99	Dividend Rate:3.31%	APY:3.36%
Months:84	Amount*:$20,000 - $74,999.99	Dividend Rate:3.40%	APY:3.45%
Months:84	Amount*:$75,000+	Dividend Rate:3.45%	APY:3.51%

*A $1,000 minimum balance is required to open a Share Certificate account and earn the stated APY.

**Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate.

Early withdrawal penalty: 06 - 11 Month Certificate - 30 days; 12 - 23 Month Certificate - 60 days; 24 - 35 Month Certificate - 120 days; 36 - 47 Month Certificate - 180 days; 48 - 59 Month Certificate - 240 days; 60 - 71 Month Certificate - 300 days; 72 - 83 Month Certificate - 360 days; 84 Month Certificate - 420 days. The APY for certificates assumes dividends are added back to the certificate.

Rates and terms are subject to change without prior notice; other restrictions may apply. Fees could reduce the earnings on the account. APY means Annual Percentage Yield. The dividend rate is the declared annual dividend rate paid on an account, which does not reflect compounding. The APY and the dividend rate may be rounded to the nearest one-hundredth of one percentage point (0.01%) and expressed to two decimal places.

This page, rbfcu.org/rates, contains our most current rate information, which you can also obtain by calling 1-800-580-3300.

Auto Loans

The Annual Percentage Rate is current as of: 04/15/2025

Auto/Truck

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Term	Rate(APR)	Rate(APR)	Payment
(Months)	As low as	Up to	Per $1,000
Term (Months):24 - 36	Rate(APR) As low as:5.500%	Rate(APR) Up to:18.000%	Payment Per $1,000:$30.20 - $49.92
Term (Months):37 - 48	Rate(APR) As low as:5.500%	Rate(APR) Up to:18.000%	Payment Per $1,000:$23.26 - $35.41
Term (Months):49 - 60	Rate(APR) As low as:5.500%	Rate(APR) Up to:18.000%	Payment Per $1,000:$19.10 - $28.96
Term (Months):61 - 66	Rate(APR) As low as:5.500%	Rate(APR) Up to:18.000%	Payment Per $1,000:$17.59 - $25.14
Term (Months):67 - 72	Rate(APR) As low as:5.500%	Rate(APR) Up to:18.000%	Payment Per $1,000:$16.34 - $23.76
Term (Months):73 - 78	Rate(APR) As low as:6.750%	Rate(APR) Up to:18.000%	Payment Per $1,000:$15.87 - $22.63
Term (Months):79 - 84	Rate(APR) As low as:6.750%	Rate(APR) Up to:18.000%	Payment Per $1,000:$14.97 - $21.69

Calculate Your Estimated Payment

Motorcycle

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Term	Rate(APR)	Rate(APR)	Payment
(Months)	As low as	Up to	Per $1,000
Term (Months):24 - 36	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$30.51 - $49.92
Term (Months):37 - 48	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$23.58 - $35.41
Term (Months):49 - 60	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$19.43 - $28.96
Term (Months):61 - 66	Rate(APR) As low as:7.000%	Rate(APR) Up to:18.000%	Payment Per $1,000:$18.30 - $25.14
Term (Months):67 - 72	Rate(APR) As low as:7.000%	Rate(APR) Up to:18.000%	Payment Per $1,000:$17.05 - $23.76
Term (Months):73 - 78^*	Rate(APR) As low as:7.000%	Rate(APR) Up to:7.000%	Payment Per $1,000:$15.99 - $16.86
Term (Months):79 - 84^*	Rate(APR) As low as:7.000%	Rate(APR) Up to:7.000%	Payment Per $1,000:$15.09 - $15.83

Calculate Your Estimated Payment

* For well-qualified buyers.

Boat & Trailer

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Term	Rate(APR)	Rate(APR)	Payment
(Months)	As low as	Up to	Per $1,000
Term (Months):36 - 60	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$19.43 - $36.15
Term (Months):61 - 66	Rate(APR) As low as:7.000%	Rate(APR) Up to:12.000%	Payment Per $1,000:$18.30 - $21.98
Term (Months):67 - 84	Rate(APR) As low as:7.000%	Rate(APR) Up to:12.000%	Payment Per $1,000:$15.09 - $20.55
Term (Months):85 - 96	Rate(APR) As low as:7.000%	Rate(APR) Up to:12.000%	Payment Per $1,000:$13.63 - $17.52
Term (Months):97 - 120	Rate(APR) As low as:7.250%	Rate(APR) Up to:10.250%	Payment Per $1,000:$11.74 - $15.20
Term (Months):121 - 144^*	Rate(APR) As low as:7.750%	Rate(APR) Up to:7.750%	Payment Per $1,000:$10.69 - $11.94
Term (Months):145 - 180^*	Rate(APR) As low as:8.000%	Rate(APR) Up to:8.000%	Payment Per $1,000:$9.56 - $10.78

Calculate Your Estimated Payment

* For well-qualified buyers.

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

RV/Motor Home / Travel Trailer

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Term	Rate(APR)	Rate(APR)	Payment
(Months)	As low as	Up to	Per $1,000
Term (Months):36 - 60	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$19.43 - $36.15
Term (Months):61 - 66	Rate(APR) As low as:7.000%	Rate(APR) Up to:12.000%	Payment Per $1,000:$18.30 - $21.98
Term (Months):67 - 84	Rate(APR) As low as:7.000%	Rate(APR) Up to:12.000%	Payment Per $1,000:$15.09 - $20.55
Term (Months):85 - 96	Rate(APR) As low as:7.000%	Rate(APR) Up to:12.000%	Payment Per $1,000:$13.63 - $17.52
Term (Months):97 - 120	Rate(APR) As low as:7.250%	Rate(APR) Up to:10.250%	Payment Per $1,000:$11.74 - $15.20
Term (Months):121 - 144^*	Rate(APR) As low as:7.750%	Rate(APR) Up to:7.750%	Payment Per $1,000:$10.69 - $11.94
Term (Months):145 - 180^*	Rate(APR) As low as:8.000%	Rate(APR) Up to:8.000%	Payment Per $1,000:$9.56 - $10.78

Calculate Your Estimated Payment

* For well-qualified buyers.

ATV/Personal Watercraft/UTV

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Term	Rate(APR)	Rate(APR)	Payment
(Months)	As low as	Up to	Per $1,000
Term (Months):24 - 36	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$30.51 - $49.92
Term (Months):37 - 48	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$23.58 - $35.41
Term (Months):49 - 60	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$19.43 - $28.96
Term (Months):61 - 66	Rate(APR) As low as:7.000%	Rate(APR) Up to:18.000%	Payment Per $1,000:$18.30 - $25.14
Term (Months):67 - 72	Rate(APR) As low as:7.000%	Rate(APR) Up to:18.000%	Payment Per $1,000:$17.05 - $23.76
Term (Months):73 - 78^*	Rate(APR) As low as:7.000%	Rate(APR) Up to:7.000%	Payment Per $1,000:$15.99 - $16.86
Term (Months):79 - 84^*	Rate(APR) As low as:7.000%	Rate(APR) Up to:7.000%	Payment Per $1,000:$15.09 - $15.83

Calculate Your Estimated Payment

* For well-qualified buyers.

Specialized Collateral

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Term	Rate(APR)	Rate(APR)	Payment
(Months)	As low as	Up to	Per $1,000
Term (Months):24 - 36	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$30.51 - $49.92
Term (Months):37 - 48	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$23.58 - $35.41
Term (Months):49 - 60	Rate(APR) As low as:6.200%	Rate(APR) Up to:18.000%	Payment Per $1,000:$19.43 - $28.96
Term (Months):61 - 66	Rate(APR) As low as:7.000%	Rate(APR) Up to:18.000%	Payment Per $1,000:$18.30 - $25.14
Term (Months):67 - 72	Rate(APR) As low as:7.000%	Rate(APR) Up to:18.000%	Payment Per $1,000:$17.05 - $23.76
Term (Months):73 - 78^*	Rate(APR) As low as:7.000%	Rate(APR) Up to:7.000%	Payment Per $1,000:$15.99 - $16.86
Term (Months):79 - 84^*	Rate(APR) As low as:7.000%	Rate(APR) Up to:7.000%	Payment Per $1,000:$15.09 - $15.83

Calculate Your Estimated Payment

* For well-qualified buyers.

APR means Annual Percentage Rate. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Personal Loans

The Annual Percentage Rate is current as of: 04/15/2025

Signature

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Term	Rate (APR)	Rate (APR)	Payment
(Months)	As low as	Up to	Per $1,000
Term (Months):4 - 12	Rate (APR) As low as:9.700%	Rate (APR) Up to:18.000%	Payment Per $1,000:$87.78 - $259.44
Term (Months):13 - 24^*	Rate (APR) As low as:10.000%	Rate (APR) Up to:18.000%	Payment Per $1,000:$46.14 - $85.24
Term (Months):25 - 36^*	Rate (APR) As low as:10.150%	Rate (APR) Up to:16.750%	Payment Per $1,000:$32.34 - $47.66
Term (Months):37 - 48^*	Rate (APR) As low as:11.150%	Rate (APR) Up to:17.650%	Payment Per $1,000:$25.92 - $35.24
Term (Months):49 - 60^*	Rate (APR) As low as:12.150%	Rate (APR) Up to:18.000%	Payment Per $1,000:$22.32 - $28.96

Calculate Your Estimated Payment

* For well-qualified buyers.

Line of Credit
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Rate(APR)
Rate(APR)
As low as Up to

Rate(APR)
As low as:11.950% Rate(APR)
Up to:18.000%

Rate(APR)	Rate(APR)
Rate(APR) As low as:11.950%	Rate(APR) Up to:18.000%

APR means Annual Percentage Rate. The specific rate and term will be dependent upon your credit rating, amount financed and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Credit Cards

The Annual Percentage Rate is current as of: 04/15/2025

World Cash Back Credit Card
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Variable Rate (APR)

Variable Rate (APR):18.000% - 18.000%
Premier Rate Credit Card
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Variable Rate (APR)

Variable Rate (APR):11.950% - 18.000%
Business Select Credit Card
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Variable Rate (APR)

Variable Rate (APR):18.000% - 18.000%

Variable Rate (APR)
Variable Rate (APR):18.000% - 18.000%

Variable Rate (APR)
Variable Rate (APR):11.950% - 18.000%

Variable Rate (APR)
Variable Rate (APR):18.000% - 18.000%

APR means Annual Percentage Rate. The specific rate will be dependent upon your credit rating and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. APR will vary with market based on prime rate.

Mortgage Loans

Whether you're buying, building, or refinancing a home, our competitive rates make the process easy.

To view a payment estimate, use our mortgage payment calculator.

The Annual Percentage Rate is current as of: 04/15/2025

Conventional Fixed Rate

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:7 years	Rate (as low as):5.500%	APR (as low as):5.889%	Estimated Payment per $10,000:$143.70	More rate info
Term:10 years	Rate (as low as):5.625%	APR (as low as):5.909%	Estimated Payment per $10,000:$109.15	More rate info
Term:15 years	Rate (as low as):5.875%	APR (as low as):6.157%	Estimated Payment per $10,000:$83.71	More rate info
Term:20 years	Rate (as low as):6.750%	APR (as low as):6.882%	Estimated Payment per $10,000:$76.04	More rate info
Term:30 years	Rate (as low as):7.000%	APR (as low as):7.103%	Estimated Payment per $10,000:$66.53	More rate info

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.

Jumbo Fixed Rate

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:10 years	Rate (as low as):5.625%	APR (as low as):5.816%	Estimated Payment per $10,000:$109.15	More rate info
Term:15 years	Rate (as low as):5.875%	APR (as low as):6.091%	Estimated Payment per $10,000:$83.71	More rate info
Term:20 years	Rate (as low as):6.750%	APR (as low as):6.808%	Estimated Payment per $10,000:$76.04	More rate info
Term:30 years	Rate (as low as):7.000%	APR (as low as):7.046%	Estimated Payment per $10,000:$66.53	More rate info

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.

ARM (5/5)

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:30 years	Rate (as low as):6.000%	APR (as low as):6.093%	Estimated Payment per $10,000:$59.96	More rate info

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%.

Jumbo ARM (5/5)

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:30 years	Rate (as low as):6.000%	APR (as low as):6.040%	Estimated Payment per $10,000:$59.96	More rate info

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%.

Promo Refinance

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:5 years	Rate (as low as):5.250%	APR (as low as):5.567%	Estimated Payment per $10,000:$189.86	More rate info
Term:8 years	Rate (as low as):5.500%	APR (as low as):5.709%	Estimated Payment per $10,000:$128.99	More rate info
Term:11 years	Rate (as low as):5.625%	APR (as low as):5.783%	Estimated Payment per $10,000:$101.77	More rate info

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

Investment Property

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:7 years	Rate (as low as):6.375%	APR (as low as):6.780%	Estimated Payment per $10,000:$147.89	More rate info
Term:10 years	Rate (as low as):6.500%	APR (as low as):6.797%	Estimated Payment per $10,000:$113.55	More rate info
Term:15 years	Rate (as low as):6.875%	APR (as low as):7.172%	Estimated Payment per $10,000:$89.19	More rate info

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.

Home Improvement

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:4 years	Rate (as low as):6.875%	APR (as low as):8.142%	Estimated Payment per $10,000:$238.88	More rate info
Term:7 years	Rate (as low as):7.250%	APR (as low as):8.016%	Estimated Payment per $10,000:$152.15	More rate info
Term:10 years	Rate (as low as):7.500%	APR (as low as):8.065%	Estimated Payment per $10,000:$118.70	More rate info
Term:15 years	Rate (as low as):8.125%	APR (as low as):8.543%	Estimated Payment per $10,000:$96.29	More rate info

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.

Land

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:4 years	Rate (as low as):7.500%	APR (as low as):8.254%	Estimated Payment per $10,000:$241.79	More rate info
Term:7 years	Rate (as low as):7.750%	APR (as low as):8.207%	Estimated Payment per $10,000:$154.62	More rate info
Term:10 years	Rate (as low as):8.125%	APR (as low as):8.466%	Estimated Payment per $10,000:$121.99	More rate info
Term:15 years	Rate (as low as):8.500%	APR (as low as):8.752%	Estimated Payment per $10,000:$98.47	More rate info

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

One-Time Close Construction

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:10 years	Rate (as low as):5.625%	APR (as low as):6.153%	Estimated Payment per $10,000:$109.15	More rate info
Term:15 years	Rate (as low as):5.875%	APR (as low as):6.332%	Estimated Payment per $10,000:$83.71	More rate info
Term:20 years	Rate (as low as):6.750%	APR (as low as):7.024%	Estimated Payment per $10,000:$76.04	More rate info
Term:30 years	Rate (as low as):7.000%	APR (as low as):7.213%	Estimated Payment per $10,000:$66.53	More rate info

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.

Jumbo One-Time Close Construction

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:10 years	Rate (as low as):5.625%	APR (as low as):5.872%	Estimated Payment per $10,000:$109.15	More rate info
Term:15 years	Rate (as low as):5.875%	APR (as low as):6.131%	Estimated Payment per $10,000:$83.71	More rate info
Term:20 years	Rate (as low as):6.750%	APR (as low as):6.841%	Estimated Payment per $10,000:$76.04	More rate info
Term:30 years	Rate (as low as):7.000%	APR (as low as):7.072%	Estimated Payment per $10,000:$66.53	More rate info

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.

100% Conventional Fixed Rate

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:10 years	Rate (as low as):6.250%	APR (as low as):6.518%	Estimated Payment per $10,000:$112.28	More rate info
Term:15 years	Rate (as low as):6.500%	APR (as low as):6.774%	Estimated Payment per $10,000:$87.11	More rate info
Term:20 years	Rate (as low as):7.375%	APR (as low as):7.494%	Estimated Payment per $10,000:$79.80	More rate info
Term:30 years	Rate (as low as):7.625%	APR (as low as):7.719%	Estimated Payment per $10,000:$70.78	More rate info

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.

100% Medical Professional Fixed Rate

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:10 years	Rate (as low as):6.250%	APR (as low as):6.518%	Estimated Payment per $10,000:$112.28	More rate info
Term:15 years	Rate (as low as):6.500%	APR (as low as):6.774%	Estimated Payment per $10,000:$87.11	More rate info
Term:20 years	Rate (as low as):7.375%	APR (as low as):7.494%	Estimated Payment per $10,000:$79.80	More rate info
Term:30 years	Rate (as low as):7.625%	APR (as low as):7.719%	Estimated Payment per $10,000:$70.78	More rate info

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.

Loans subject to credit approval. Rates and terms are for illustrative purposes only and subject to change without notice. Restrictions may apply. Origination fees may apply. Final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your final APR. Specific rate and term will be dependent upon your credit rating, collateral value, amount financed, lien position and other factors. Mortgage loans available only on property in Texas. Sample "Estimated Payment per $10,000" listed does not include taxes, insurance and similar items, if applicable. Actual payments will be higher. Hazard insurance is required, including flood insurance, if applicable. Jumbo loans may require larger down payments and additional qualifications. NMLS# 583215.

Home Equity Loans

Leverage the value of your home with a home equity loan or home equity line of credit (HELOC).

The Annual Percentage Rate is current as of: 04/15/2025

Home Equity (1st Lien)

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:4 years	Rate (as low as):5.500%	APR (as low as):5.729%	Estimated Payment per $10,000:$232.56	More rate info
Term:7 years	Rate (as low as):5.875%	APR (as low as):6.016%	Estimated Payment per $10,000:$145.49	More rate info
Term:10 years	Rate (as low as):6.000%	APR (as low as):6.104%	Estimated Payment per $10,000:$111.02	More rate info
Term:15 years	Rate (as low as):6.250%	APR (as low as):6.308%	Estimated Payment per $10,000:$85.74	More rate info
Term:20 years	Rate (as low as):7.125%	APR (as low as):7.178%	Estimated Payment per $10,000:$78.28	More rate info
Term:30 years	Rate (as low as):7.375%	APR (as low as):7.417%	Estimated Payment per $10,000:$69.07	More rate info

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.

Home Equity (2nd Lien)

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:4 years	Rate (as low as):6.250%	APR (as low as):6.496%	Estimated Payment per $10,000:$236	More rate info
Term:7 years	Rate (as low as):6.625%	APR (as low as):6.777%	Estimated Payment per $10,000:$149.10	More rate info
Term:10 years	Rate (as low as):6.750%	APR (as low as):6.862%	Estimated Payment per $10,000:$114.82	More rate info
Term:15 years	Rate (as low as):7.000%	APR (as low as):7.065%	Estimated Payment per $10,000:$89.88	More rate info
Term:20 years	Rate (as low as):7.875%	APR (as low as):7.934%	Estimated Payment per $10,000:$82.87	More rate info

Home Equity Line of Credit (HELOC)

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Term	Rate (as low as)	APR (as low as)	Estimated Payment per $10,000
Term:10 years	Rate (as low as):7.000%	APR (as low as):7.065%	Estimated Payment per $10,000:$140	More rate info

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 04/14/2025, 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.

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. Mortgage loans available only on property in Texas. Home Equity Loans and HELOCs available on primary residence only. Loans subject to credit approval. Rates and terms are for illustrative purposes only and are subject to change without notice. Restrictions apply. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, lien position and other factors. Borrower will be responsible for certain closing costs which may include title insurance, appraisal fee, and survey costs. Hazard insurance is required, including flood insurance, if applicable. Sample payment listed does not include amounts for taxes, insurance and similar items, if applicable. Actual payments will be higher. NMLS# 583215.

With high-value products and services, Randolph-Brooks Federal Credit Union (RBFCU) is a trusted financial partner for more than 1 million members in Texas and around the world. RBFCU offers all the banking services you expect from a leading credit union, and we've made it our mission to help improve our members' economic well-being and quality of life. Our commitment to personalized service makes RBFCU membership the smarter banking choice.

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