Your journey home starts here
Fund your next home with help from our local loan experts.
75 years and growing
In 2025 we are proud to celebrate our 75th Anniversary! We are grateful to have grown to serve nearly half a million Members throughout the North Bay, San Francisco, and beyond. Our Members’ success is our success. In addition to full-service banking, we offer a variety of financial products and services that are designed with one thing in mind – you. Whether you are an existing Member or you are looking to join, our team is here to help you on your financial journey every step of the way. Love grows with Redwood Credit Union.
Featured products and services
Current rates
3/6 ARM Mortgage1
as low as%RATE%APR
Auto Loan2
as low as%APR
Premier Money Market3
earn up to%APY
What's new
Take control of your finances
We provide free access to industry-leading financial education and resources. With advice for all stages of life, we can help you through every step of your financial journey.
Your hard-earned money is safe
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Rated one of 21 strongest credit unions in the US by Weiss Ratings in 2021
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Received Bauer Financial’s highest 5-star rating for strength and stability
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Rated Best in State Credit Union by Forbes Magazine 3 years in a row
Built on love
RCU serves over 360,000 of your friends, family, and neighbors. See what they have to say.
Love my credit union. Great mortgage products, numerous locations, easy phone banking, great online services.
$4 Million in Support
Through sponsorships, fundraising, and support to local nonprofit organizations.
5,739 Community Hours
Total hours RCU team members committed to our communities.
4,018 People Reached
Through financial education programming.
Disclosures
1Rates are effective January 22, 2025 and are subject to change without notice. Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for above rates is 95%. Maximum Combined Loan to Value for investment (non owner occupied) is 80%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home. RCU mortgages are available on CA properties only. ARM rates are subject to periodic adjustment after loan closing, per the terms of the note. Calculate Rates & Payments Payment examples provided do not include taxes or insurance, actual amounts may be greater. Non-Closing cost product requires a minimum balance of $200,000, and includes a potential savings of $2,600 in closing costs.
2Rates are effective January 22, 2025 and are subject to change without notice. Certain restrictions may apply. New autos are defined as vehicles with less than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Used autos may be 10 years old or newer and may be financed up to 125% KBB value, for autos 11-15 years old may be financed up 110% KBB value depending on credit history and collateral condition. Payment sample: 60 mo. term per $1,000 borrowed: $19.58 at 6.49% APR. 36 month term only applies to purchases, refinanced loans excluded. Calculate Rates & Payments
3Premier Money Market Full Disclosure
Minimum balance of $2,500 to earn dividends and (1) an active checking account at RCU. To be considered active, checking account must have a minimum of 3 transactions per month (excluding transactions performed through the Telephone Teller, and dividend posting); (2) a minimum monthly digital deposit of $500 or more into account. Digital deposit is defined as a deposit made via ACH, mobile deposit, ATM, or wire; (3) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity 10 transactions or $500 or more in advances; and (4) an open loan at RCU in good standing, an investment account through Redwood Wealth Management with at minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services4.
4Insurance 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.
*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.
Rates
Auto Loan 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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