Goodbye high-interest debt!
Transfer balances to a low-interest credit card to save money and manage debt.
Overview
Looking for a simple way to experience real savings? Bring your credit card balances over to a Redwood Credit Union Visa® Platinum card. Unlike other cards, we skip the transfer fees and keep our rates low, so you can do more of what you love.
Highlights
$0 Transfer fee
Unlike other institutions, we won't make you pay a penny to bring your balances to us.
No surprise fees
No annual fee, penalty APR, foreign transaction fees, or confusing introductory periods.
Everday low rates
Low rates keep payments affordable after your transfer.
Easy management
View transactions online, set alerts using our mobile app, and make payments in a snap.
Pro tip
Use online banking or our mobile app to transfer balances from your other credit cards to your RCU Visa®. It's simple and only takes minutes!
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
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*Rates effective December 5, 2023. All rates, terms, and special offers subject to change. Certain restrictions apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged. Cash advance transactions and balance transfers are excluded from earning points.
Balance transfer online application
Not a Member?
Start the balance transfer process by applying for a card today. Review our Membership requirements below to determine if you are eligible.
Already a Member?
Log into online banking or our mobile app and under Manage Cards select “Balance Transfer” to get started.
You can become a Member of RCU if you meet any of the following:
- 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.
Already applied?
To check the status of your credit card, view any loan conditions, or upload any requested documents.
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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