We investigate the spontaneous-fission (SF) half-lives of ${}^{254,256}$Rf within the multidimensionally constrained relativistic Hartree-Bogoliubov (MDC-RHB) model combined with the local quasiparticle random-phase approximation (LQRPA) method. The collective inertia is evaluated using the finite-amplitude method (FAM), which enables a fully self-consistent treatment of dynamical residual effects beyond the conventional cranking approximation. The effective collective potential is constructed by subtracting both the vibrational zero-point energy and rotational energy correction from the deformation energy surface. The SF half-lives are evaluated within the Wentzel-Kramers-Brillouin (WKB) approximation. Compared with the nonperturbative and perturbative cranking approximation, the FAM-LQRPA collective inertia is significantly enhanced, especially around the ground-state minimum, due to the dynamical residual interaction included in the QRPA. As a consequence, the predicted SF half-lives increase by several orders of magnitude and become consistent with experimental data. The calculated SF half-lives are 5.65 $\mu$s for ${}^{254}$Rf and 0.95 ms for ${}^{256}$Rf, both within approximately two orders of magnitude of the corresponding experimental values. These results indicate that a self-consistent treatment of dynamical residual effects and beyond mean-field correlations is crucial for quantitative microscopic descriptions of SF within covariant density functional theory.