What’s New at RCU
At RCU, we passionately deliver solutions tailored to meet our Members' needs and help them thrive financially. Check out some of our exciting new and enhanced products and services to help simplify your daily life.
Spotlight
SmartSweep
Use your RCU credit card like a debit card. SmartSweep automatically transfers funds from your RCU account daily, weekly, or biweekly to pay off your credit card balance – helping you avoid late fees, manage debt, save on interest, and earn rewards.1
Latest products and services

Round Up & Save
Grow your savings by automatically rounding up RCU debit card transactions to the next dollar and transferring the difference to your preferred savings or money market account.2
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Early Pay
Accelerate your payday. With direct deposit at RCU, get access to your hard-earned money up to two days sooner!3
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Direct Deposit Tool
By streamlining the process of setting up direct deposit with RCU, we’ve made it even easier to access your money when you need it.
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DreamStart
Turn your dreams of homeownership into reality with our first-time home buyer program that prioritizes affordability and personalized assistance.4
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Courtesy Skip-a-Pay
If unplanned expenses put a strain on your budget, use Skip-a-Pay to defer your loan payment on qualifying consumer loans for a $25 fee.5
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IOLTA
Manage client funds with integrity and precision. RCU’s Interest on Lawyers’ Trust Accounts (IOLTA) ensures your clients’ funds are held securely while complying with California State Bar regulations.
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Classic Car Loans
Finance the classic car you love. Enjoy low monthly payments with flexible terms, designed specifically for vintage auto enthusiasts.
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Performance Money Market
Elevate your savings by earning higher dividends while maintaining access to your money.
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1SmartSweep is an optional payment service available for RCU credit cards. Member must meet certain eligibility criteria to enroll in SmartSweep, set the designated payment schedule, and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Certain restrictions may apply.
2Round Up & Save is an optional service for consumer accounts only. Certain restrictions may apply.
3Early Pay may provide access to eligible direct deposits up to two days before the pay day established by the income provider. Direct deposit must be established by the Member and approved by Member’s income provider. Eligible deposits include payroll, government or state benefits and pensions, and military pay. Person to person payments, international payments, business corporate credits, or other payment types are not eligible. Service is provided solely as a Member benefit and is not guaranteed. Certain restrictions may apply.
4To be eligible for the DreamStart Home Loan program, borrowers must be a first-time homebuyer or have not owned a home in the last three years.
5Skip-a-Pay may be used for a maximum of two (2) payments during a rolling twelve (12) month period per qualifying loan. To be eligible, you must (1) have Digital Banking, (2) have a general membership account with checking and/or savings account(s), (3) have an existing qualifying loan with a minimum of six (6) payments made and in good standing, and (4) be in good standing as defined in the Membership Account Disclosure. Only certain loan types are eligible and certain fees and restrictions may apply.
Checking account online application
Already have an RCU account?
(We’ll pre-fill your application)
If you want to open a separate account e.g. a joint account, you need to apply as a new Member.
New to RCU?
(Only takes 10 minutes, eligibility requirements below)
Eligibility
You can become a Member of RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
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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