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Become a Member

Feel good about where you bank

We're here to help you protect your money and achieve your financial goals.

Get Started Today!

If you’re ready to bank differently, it’s time to open your account with RCU. As a not-for-profit institution, our purpose is to provide banking solutions that work for you. Enjoy free checking with debit card rewards1, lower interest rates on loans and credit cards, and a full selection of additional financial services. You’ll soon see why RCU consistently earns some of the highest satisfaction ratings in the industry.

Welcome aboard. You’re going to love it here.

You Belong at RCU

If you currently live or work in San Francisco or any of the following North Bay counties, you can bank with us.

  • Contra Costa County
  • Lake County
  • Marin County
  • Mendocino County
  • Napa County
  • San Francisco
  • Solano County
  • Sonoma County

RCU Member Molly

Why Bank with a Credit Union?

Credit Unions


Member owned
Publicly owned and traded
Democratic vote by Members
Governed by paid officials and shareholders
Invested in the organization to provide better products and services.
Paid to stockholders
Federally insured up to $250,000 by NCUA
Federally insured up to $250,000 by FDIC

Let's do this!

Get started with an RCU savings account. It takes just 10 minutes. From there, a world of better banking awaits you.

You’ll need:

  • Social Security number and date of birth for all account holders
  • Phone number and email address
  • Physical U.S. address
  • Debit card or account information for funding your new account(s)
Open an Account

Solutions and Service

Redwood Credit Union is here to help at every stage of your financial journey. Whether you’re just starting out, buying a home, opening a business, or saving for retirement, RCU is committed to your success with the right banking solutions and a passion for excellent service.

Convenient Access

Free ATM Access

Enjoy access to 30,000+ CO-OP Network ATMs and 55 local RCU ATMs. Plus, get cash at a non-RCU ATM and we’ll reimburse the fees up to 4 times per month.5

Free Online Banking

Bank anywhere, anytime with free online banking, bill pay, mobile banking, and mobile deposit. Learn more.

RCUpay (person-to-person)6

Easily send and receive money person-to-person from your mobile phone or computer.

Visit a Branch

RCU has 19 branches throughout the North Bay and San Francisco. Find your branch.

Watch our Member stories

See how RCU has helped these Members achieve their financial goals.

  • 1Debit rewards available for personal accounts only. Business accounts are not eligible for Debit rewards. Signature-based transactions only.

    2Auto sales & services provided by RCU Auto Services, Redwood Credit Union’s wholly-owned subsidiary.

    3Insurance 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. OD91054. NPN no. 7612227.

    4Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (”CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

    5First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with checking and active RCU loan or credit card. Active=at least one transaction or payment in prior month. Casino/gambling and ATMs outside U.S. excluded.

    6Certain restrictions may apply. Recipient must have a U.S. bank account. Once a recipient claims their funds, transfers are generally completed within 1 business day or less, but may take up to 3 business days. Message and data rates may apply. Mobile banking from RCU is free, but you may incur data charges from your carrier/service plan. Please check with your carrier and service plan on specific charges.