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RBFCU Auto Loan Review

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Randolph-Brooks Federal Credit Union (RBFCU) offers competitive rates on a variety of auto loans, including refinancing. While RBFCU only has branches in Texas, loans are available throughout the U.S. and overseas (RBFCU does not specify any particular countries or territories); however, you must be a member purchasing a U.S.-standard vehicle in order to take advantage of one.

How do Randolph-Brooks Federal Credit Union auto loans work?

RBFCU offers loans to purchase new and used vehicles from both dealers and private sellers. Refinancing is available for all vehicle types, from cars and motorcycles to boats, RVs and specialized farm vehicles — plus, the credit union even refinances its own loans. If you’re a vehicle owner you can also take out a vehicle equity loan from RBFCU but it’s important to be careful when borrowing against your car.

Randolph-Brooks Federal Credit Union Vehicle Loans
Auto/truck Motorcycle Boat & Trailer RVs ATVs
APR range 2.70% – 18.00% 4.50% – 15.50% 4.50% – 18.00% 4.50% – 18.00% 4.50% – 15.50%
Term range (months) 24 – 84 24 – 60 36 – 180 36 – 180 24 – 60


The rates above apply to new, used and refinance loans. The best rates go to those who take out the shortest loans: 24 to 66 months for cars and trucks and 24 to 36 months for motorcycles.

Credit requirements. RBFCU’s auto loan rates are competitive, but credit requirements are unclear. An RBFCU spokesperson declined to state what credit scores are needed to qualify for the lowest rates but advised that there’s no set minimum credit score to qualify for a loan.

Like many other lenders, RFBCU reviews a variety of factors in addition to credit score when determining your loan eligibility. Those factors may include the following:

  • Debt-to-income ratio
  • Age and mileage of the vehicle you plan to purchase
  • Length of employment history
  • Account usage and length of membership at RBFCU

RBFCU membership requirements

Named for two former Air Force installations, the credit union originally served individuals stationed at select U.S. Air Force bases, but you can now qualify for membership on the basis of your residence or through thousands of other affiliations. You may be eligible by way of your employer, place of worship, community organization, neighborhood, school, or through a family member. If qualified, you can become a member by opening an RBFCU savings account and depositing $1. RBFCU’s savings account has no monthly fee.

How to apply for an auto loan at RBFCU

Applicants can submit an auto loan application to RBFCU without being a credit union member, but you’ll have to become a member in order to finalize your loan.

Applications can be submitted over the phone, in-person, through RBFCU’s mobile banking app or online. The online process takes about 15 minutes. Here’s how it works:

  • Choose “apply now” on RBFCU’s auto loans page
  • Log in in or begin your application by clicking “apply now” in the pop-up window
  • Choose the type of loan you want
  • Provide the required information, including your income and desired loan amount
  • Submit your application

If you’re unsure of the loan amount needed, it’s OK to make an estimate. You can change the amount after finding the car you plan to buy. You can also use the RBFCU auto loan calculator to help you determine what loan amount would result in an affordable monthly payment.

If you have your RBFCU mobile app set up to receive push notifications, you’ll likely receive an electronic notification of your loan decision within minutes. If not, RBFCU will reach out via your chosen method of contact. All loan decisions are typically completed within one business day.

If your application is approved, you’ll need to log into your online banking profile to see if any further information or paperwork is needed to finalize your loan.

Is an RBFCU auto loan worth it?

Credit union auto loan rates are typically lower than those offered by banks. It’s also possible to check RBFCU’s rates without applying for membership, which makes it easier to compare its rates to other lenders. It’s always a good idea to apply for an auto loan with lenders directly and, ideally, more than one, before heading to the dealership. You could fill out a single form at LendingTree and receive up to five loan offers from lenders, depending on your creditworthiness.

Here are some additional benefits — and drawbacks — to RBFCU auto loans:


  • Preapproval process. RBFCU provides loan preapproval for cars, motorcycles and other vehicles, which allows you to compare offers from other lenders and can help you negotiate a better price at the dealership
  • No fees. There’s no application fee or prepayment penalty for RBFCU vehicle loans.
  • Deferred first payment. Qualified borrowers may make their first payment up to 60 days from the date their loan is finalized. The loan will, however, accrue interest during the deferment period


  • Late payment penalty. If your loan payment is 15 or more days late, you’ll be charged a fee equal to 5% of the payment due.
  • Credit score requirements aren’t disclosed. While there’s no minimum credit score, it’s unclear what score is required for the best rates.

Who is a RBFCU auto loan best for?

With competitive rates, an RBFCU auto loan, motorcycle loan or RV loan could be a good choice for current members or for anyone eligible for membership. While loans are available outside of Texas, RBFCU branches and ATMs are clustered in and around San Antonio and Austin. People located outside these cities should only apply for an RBFCU loan if they’re comfortable banking online.


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