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¹APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective January 14, 2026 and are subject to change. To open, obtain, and maintain the advertised rate for the certificate, you must have a $1,000 deposit and an active checking account at RCU. Active checking is defined as a checking account having three or more transactions per month (excluding telephone teller or dividend posting transactions).

²Rates effective January 14, 2026. All rates, terms and special offers subject to change. Cash advance transactions and balance transfers are excluded from earning points. A foreign transaction fee of 1% applies to each transaction made in foreign currency and converted to U.S. dollars. Certain restrictions apply.

³Offer valid through 12/31/2026. Certain restrictions may apply. Rate Roll Down fee is $799.00 per request and must be paid at the time of the request. Fee may not be added to the outstanding loan balance. Offer applies to existing RCU first mortgages held in RCU’s portfolio (Jumbo – Fixed & Adjustable, DreamStart, 40 Year, and TIC Loans). Mortgage must be current and in good standing with no delinquencies to qualify. Rate Roll Down may be requested one (1) time every twelve (12) months from the date the loan funds. Rate will be adjusted to current market rate for the same product with no cash out.

⁴As of 11/2025, based on mortgage purchase loan originations data from MyMTA.

⁵Rates are effective January 14, 2026 and are subject to change without notice. Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for above rates is 95%. Maximum Combined Loan to Value for investment (non owner occupied) is 80%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home. RCU mortgages are available on CA properties only. ARM rates are subject to periodic adjustment after loan closing, per the terms of the note. Calculate Rates & Payments Payment examples provided do not include taxes or insurance, actual amounts may be greater. Non-Closing cost product requires a minimum balance of $200,000, and includes a potential savings of $2,600 in closing costs.

⁶Rates are effective January 14, 2026 and are subject to change without notice. Certain restrictions may apply. New autos are defined as vehicles with less than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Used autos may be 20 years old or newer and may be financed up to 125% KBB value. Payment sample: 60 mo. term per $1,000 borrowed: $19.22 at 5.74% APR. Calculate Rates & Payments

⁷Premier Money Market Full Disclosure
Premier Money Market Yields as of January 14, 2026. All rates, yields, terms and special offers subject to change. Certain restrictions apply. APY = Annual Percentage Yield. APY is variable rate. Fees may reduce earnings. Minimum balance of $500,000 to earn the advertised APY. Minimum balance of $2,500 to earn dividends and: (1) an active checking account at RCU. To be considered active, checking account must have a minimum of 3 transactions per month (excluding transactions performed through the Telephone Teller, and dividend posting); (2) a minimum monthly digital deposit of $500 or more into account; (3) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity 10 transactions or $500 or more in advances; and (4) an open loan at RCU in good standing, an investment account through Redwood Wealth Management with at minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services⁸.

⁸Insurance products are not deposits of Redwood Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Redwood Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Redwood Credit Union need not be purchased from Redwood Credit Union and may be purchased from an agent or an insurance company of the member’s choice. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. Business conducted with RCU Insurance Services is separate and distinct from any business conducted with Redwood Credit Union. License no. 0D91054. NPN no. 7612227.