Simplify your payments and earn points
Set up your credit card to maximize rewards
Overview
Managing your credit card payments has never been easier. Our SmartSweep payments automatically transfers funds from your RCU account to pay off your credit card balance—helping you avoid late fees, manage your debt, and save on interest all while earning rewards on your credit card.
How does a SmartSweep payment work?
Link your checking or savings account and let us take care of the rest. Our automated system will transfer funds to pay your credit card balance on the schedule you choose.
Whether you want to pay off the full balance each day, week or every other week to avoid interest, make the minimum payment to stay current on your bill, or transfer a fixed amount regularly to chip away at your balance, we have options for you.
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1
Log in to
digital bankingLog in to your RCU account and select your credit card loan
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2
Select the
Card Services tabFrom your credit card transaction page, please select the card services tab
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3
Select the SmartSweep payment button
Follow the prompted instructions to set up your desired payment frequency
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Earn rewards while not worrying about your balance.
With SmartSweep, enjoy flexible, automated payments that work for your lifestyle so you don’t have to worry about paying off your credit card.
Credit card online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Become a Member and apply for your credit card. (Eligibility requirements below)
Eligibility
You can apply for a credit card through 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.
Rates
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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