You belong at Redwood Credit Union
This is local banking you can trust.
It’s different here
Credit unions were founded on the idea of people helping people. As a not-for-profit financial cooperative, this philosophy continues to drive everything we do. With an array of financial services delivered with kindness and respect, we’re here to help you succeed.
Where you bank matters
Redwood Credit Union is community banking at its best. If you currently live or work in Sonoma, Lake, Marin, Napa, Mendocino, San Francisco, Solano, or Contra Costa counties, you belong at RCU. Immediate family of current RCU Members can also join and benefit!
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Free checking – Pay no fees and get a free debit card.
Savings – Get great rates on savings certificates, money market accounts, and more.
Youth accounts – Teach kids smart money habits that will benefit them for life.
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Low rates – Get a great rate on all of our cards!1
Rewards – Earn rewards redeemable for cash back on every purchase!
No fees – Don’t pay a penny on balance transfers, foreign transactions, or annual fees.
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Home loans – We can help with purchase, refinance, equity loans and lines of credit, and construction loans.
Auto loans – Affordable loans for new, used, and refinanced vehicles, with flexible terms.
Personal loans – Consolidate debt or finance a large purchase with a personal loan or line of credit.
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Redwood Wealth Management* – Plan for the future with investment services.
RCU Auto Services2 – Buy new or used vehicles or sell your car through RCUAS.
RCU Insurance Services3 – Protect all that you love with RCUIS.
Business services – Grow your business with a range of financial services.
Your hard-earned money is safe
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Named one of America’s Best Credit Unions by Newsweek.
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Received Bauer Financial's 5-star Superior rating for strength based on financial data as of May 30, 2024.
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Rated Best in State Credit Union by Forbes Magazine 3 years in a row.
Why bank with a credit union?
| Credit Unions | Banks | |
|---|---|---|
Purpose |
People-driven |
Profit-driven |
Ownership |
Member owned |
Publicly owned and traded |
Decisions |
Democratic vote by Members |
Governed by paid officials and shareholders |
Profits |
Invested in the organization to provide better products and services. |
Paid to stockholders |
Insurance |
Federally insured up to $250,000 by NCUA |
Federally insured up to $250,000 by FDIC |
Watch our Member stories
See how RCU has helped these Members achieve their financial goals.
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)
Disclosures
1Rates effective July 6, 2025.
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. 0D91054. NPN no. 7612227.
4First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with active checking and active RCU loan or credit card. Active = at least one transaction or payment in prior month. (Up to $10 per transaction, casino/gambling and ATMs outside U.S. excluded from reimbursement).
5Certain 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.
*The financial professionals at Redwood Wealth Management are Financial Advisors with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Redwood Credit Union and Redwood Wealth Management are not registered as broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Redwood Wealth Management, and may also be employees of Redwood Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Redwood Credit Union or Redwood Wealth Management. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value |
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
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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