Where great rates meet local service
Feel comfortable in your home, and confident with your loan.
Explore our home loan options
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We also offer these home loan options:
Tenants in Common (TIC) Loans
TIC agreements are an affordable way to achieve your home ownership dreams.
Construction & Lot Loans
Enjoy personalized options and competitive rates for all your construction needs.
Reverse Mortgages
Our partners at Alliance Reverse Mortgage allow you to borrow equity in your home.
Individual Taxpayer Identification Number (ITIN) Loans
RCU offers mortgages to non-citizen home buyers with an ITIN and required employment authorization document(s).
Why Choose RCU
Competitive Interest Rates
Save money on the biggest purchase you will make – your home – with competitive rates on fixed and variable loans.
Local Personal Service
Get the high-quality service you know and love from RCU. Our dedicated mortgage team is here to help you throughout the loan process.
No-Closing-Cost Option*
Take your buying power up a notch with RCU’s no-closing-cost option.
See what our Members are saying!
What makes RCU home loans different? Our friendly service from mortgage experts who live in your community and can take the time to find the right loan for you. Hear what real people have to say about getting a mortgage with RCU.
Agee Family, Members Since 2019
“Redwood Credit Union was super friendly, and they made us feel like a family that they truly care about. RCU was extremely helpful with thinking outside of the box to help us get to the finish line. They’ve allowed us the flexibility to achieve our financial goals.”
Selvaraj Family, Members Since 2022
“Great rates, cannot beat. Member-centric for real, they care about and value you as a member. I highly recommend RCU and would go to them again. They worked overtime to meet the deadline and were very practical in our loan.”
Darcy Rogers, Member Since 2016
“Everyone who helped me made the process so smooth and reassuring during a stressful time. I felt like they were on my side as a long life friend and I could trust them to help guide me. I still can’t believe as a single working mom that I was able to get our beautiful home for my daughter and be able watch her grow up here.”
Have a question?
If you have questions about any part of the home buying process, our mortgage experts are here to help. Schedule an appointment or give us a call at 1 (800) 609-9009.
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*Non-closing cost product requires a minimum balance of $200,000 and includes a potential savings of $2,600 in closing costs.
Rates
Mortgage Rates1
Interest Rate
as low as %APR
as low as %Purchase rates
Refinance rates
Looking for additional mortgage rates? Our team is here to help. Contact us to learn about all our home loan options.
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Rates are effective December 21, 2024 and are subject to change without notice.
1Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for above products owner-occupied is 95%, and for investment properties it is 80%.
Rates shown above are based on the following scenario: single unit property, primary residence, non-manufactured, 60% CLTV, and 760+ credit. Rates can vary based on loan scenario. RCU mortgages are available for CA properties only. ARM rates are subject to periodic adjustments after loan closing, per the terms of the note.
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.
Contact Us
Schedule an appointment
Meet with a mortgage specialist to choose what’s right for your needs.
Refinance Options
Refinance options for your unique needs
Looking to refinance your mortgage?
We can help you through the process, making your next home loan easy.
Have a question?
Contact UsOur mortgage experts are here to help. Fill out our contact form and we will be in touch soon or give us a call at 1 (800) 609-9009.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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