Spend money, earn rewards
Extend your cash flow, make secure purchases, and earn rewards with our Business Visa Platinum card.
Issue employee cards for business expenses
Enable your employees to make business-related purchases and easily monitor their spending.
More business Visa benefits

Electronic payment
Pay your bills anytime and anywhere.

Free balance transfer
Transfer your balance from another financial institution at no charge.

Earn rewards
When you spend money, you earn points that can be used towards a variety of rewards.

Mobile Wallet
RCU Visa cards work with Apple Pay®2, Google Pay®3, Samsung Pay®4, Garmin Pay™5, and Fitbit Pay™6.
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1
Complete an application
Hit the link below to get started.
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2
Receive your card
Once you're approved, you'll get your card within 3-5 business days.
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3
Start spending
The more you spend, the more you earn!
Why Choose RCU?
At RCU, we're passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.
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That's how many chats, emails, and calls were served by our local Member Service Center in 2020.
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Best in State Credit Union by Forbes Magazine
This credit union is top notch. I’ve been a member of Redwood Credit Union for more than 20 years, they provide great service and online banking features that I use almost daily.
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Help your business be successful
Purchasing for your business has never been easier—or more rewarding!
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1Rates effective July 5, 2022. All rates, terms, and special offers subject to change. Certain restrictions apply. For further information, please refer to the Business Visa Platinum Guide to Benefits.
2Apple®, the Apple logo, and Apple Pay® are trademarks of Apple Inc., registered in the U.S. and other countries.
3Google Pay is a service provided by Google Payment Corp. ©2021 Google LLC All rights reserved. Google and the Google Logo are registered trademarks of Google LLC.
4©2021 Samsung Electronics America, Inc. Samsung®, and Samsung Pay®, are registered trademarks of Samsung Electronics Co., Ltd.
5Garmin Pay™ is a trademark of Garmin Ltd. or its subsidiaries.
6Fitbit Pay™ is a registered trademark of Fitbit, Inc. and/or its affiliates in the United States and other countries.
Rates
Limit, Rate, Fees and Others | Details |
---|---|
Credit Limit |
$1,000 to $49,999 |
Interest Rate |
Prime* Rate + 1% to Prime Rate + 5% (Variable Rate) |
Grace period for repayment of balances for purchases |
25 Days |
Method for computing the balance for purchases |
Average daily balance including new purchases |
Other APRs |
Average Cash Advance APR 14.9%. Delinquent rate after two billing cycles = 18.0% |
Transaction Fee for Purchases |
None |
Balance Transfer Fees |
None |
Foreign Transaction Fees |
None |
Annual Fee |
None |
Transaction Fee for Cash Advances |
3% of advance amount or $5.00, whichever is greater. |
Late Payment Fee |
$25.00; Late fee is assessed when payment is 15 or more days past due. |
Over Limit Fee |
$20 per occurrence per statement cycle. |
Rewards Program |
Free |
*Prime Lending Rate is as of as published in the Wall Street Journal.
Forms
Business Loan Application Form
*You may bring all completed forms into any RCU branch or mail it to the following address:
Redwood Credit Union
Attn: Business Services
P.O. Box 6104
Santa Rosa, CA 95406-0104
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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