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COVID-19 Response & Assistance

We are here for you.

As news about COVID-19 continues to develop, we want you to know that the health and wellness of our Members and employees are our top priority. You can count on us to continue doing our best to serve you and keep you informed.

In addition to this web page, you can follow us on Facebook, Instagram, Twitter, and LinkedIn for regular updates. We also recommend you log in to your RCU account profile to ensure your email and preferred phone number are current so you can receive important updates and communication from us.

  • View info about Federal Relief Assistance

  • Finding Financial Resilience Webinar with Jean Chatzky

    As part of our ongoing efforts to offer financial education in the community, RCU hosted a free, 60-minute webinar titled “Financial Resilience in Uncertain Times” featuring personal finance expert Jean Chatzky, CEO of HerMoney.com, financial editor of NBC Today, Financial Ambassador for AARP, and frequent guest on CNN, and MSNBC. Jean has presented at several previous RCU financial wellness events, so we were thrilled to have her join us for this timely presentation.

    Watch the recording now available on our YouTube channel. In it, Jean shares 7 things to know about your finances right now, helping you make positive changes that will assist you through these challenging times and have a lasting impact for years to come.

     

    Self-Care and Stress Management Webcast

    As a benefit to Members, RCU hosted a free, 60-minute webcast titled “Self-Care and Stress Management: Tools and Best Practices for Coping with COVID-19 … and Beyond,” focused on resilience-building resources for navigating this unprecedented time.

    The presenter was Mary O’Neill, a licensed psychotherapist and expert on helping people cope with stress, with RCU’s President & CEO Brett Martinez as moderator.Mary shared a lot of helpful tips on how to stay calm, steady, and resilient during challenging times and beyond.

    View the recorded “Self-Care and Stress Management: Tools and Best Practices for Coping with COVID 19 … and Beyond” webcast.

    During her presentation, Mary mentioned the following resources:

     

    Student Wellness Resources

    Redwood Credit Union is committed to helping our communities stay emotionally healthy through this challenging time, so we partnered with author and social/emotional learning expert Jennifer Miller, M.Ed, and the long-standing, local mental health nonprofit NAMI Sonoma County to produce video resources. The videos are designed to help children and youth, and their support networks, understand their emotions so they can make good choices and communicate well with others. Spanish subtitles are available for each video.

    Click here to find all four videos, and a list of resources for further support.

    We believe that financial wellness and emotional wellness go hand-in-hand, so we hope you’ll find these resources helpful. Please feel free to access them as often as you’d like and share them with family, friends, and coworkers. They’re for everyone.

  • Redwood Credit Union has special financial assistance programs for those who are financially impacted by loss of income as a result of COVID-19, including:

    • Early withdrawals from RCU certificates of deposit (CDs) without any penalty
    • Other financial assistance programs tailored to the Member’s individual situation

    If you are experiencing financial challenges as a result of COVID-19, please call us at 1 (800) 479-7928, option 2 so we can help find the best options and solutions for your unique needs.

  • Click here for the most current branch updates

    We’re committed to ensuring continued and uninterrupted service to Members.

    For the safety of our Members and team, we continue to adhere to local health and safety guidelines including social distancing and regular disinfecting protocols.

    Many common transactions including transfers, stop payments, copies of checks or statements, payment deferral requests, and more can be completed without visiting a branch

    You can also get cash anywhere with free access to 30,000 CO-OP network ATMs and 50+ RCU ATMs. In addition, RCU reimburses other credit union and bank ATM fees so you have easy access to cash*. Here are some suggestions about cash needs during a pandemic.

    Remember, your accounts at RCU are safe and federally insured up to at least $250,000.

     

    RCU Auto Services

    RCU Auto Services has reopened its physical location to serve your needs. Buying the car you love should be fun–we agree! That’s why we make it easy for you to buy, sell, finance, and insure your vehicle, all in one place at rcuauto.com. We’ll be here to help you along the way, with remote advisors available to answer your questions. Plus, we’ll deliver to your home or office.

    All vehicles have been cleaned and sanitized, and staff is following local health and safety guidelines, plus the Guidance for Automobile Dealers and Rental Employers.

    Please note, our hours have temporarily changed. If you have any questions or need assistance buying a vehicle, call us at 1 (877) 545-0800.

    Hours of Operation: Virtual sales are available 9 a.m. to 6 p.m. daily. The showroom is open Monday through Friday 10 a.m. to 6 p.m., Saturday 10 a.m. to 5 p.m., and Sunday 12 p.m. to 3 p.m.

  • Authorities are alerting consumers to beware of scams related to COVID-19/coronavirus. Examples range from criminals posing as World Health Organization officials conducting phone and phishing scams, to identity thieves harvesting credit card and other information on websites purportedly selling safety items.

     

    General

    RCU will never call or email and ask for your personal information. Don’t click links from senders you don’t know. Be wary of requests for money or account information.

     

    Direct Assistance Checks

    You can avoid fraud and scams when receiving direct assistance funds by keeping a few very important things in mind. View “Avoid Federal Relief Payment Scams” to learn more.

     

    Investments

    Carefully investigate any potential investment opportunities coming your way right now. Consider this:

    • Before investing, ask questions about the risks and fees involved. Do your own research or seek the opinion of a financial professional who is registered with your local securities regulator.
    • Never invest in something you don’t fully understand. Don’t get involved if you have no specific experience in the type of business and would have to rely on others’ expertise.
    • Beware of sales techniques that include repeated phone calls, cold calls, or high-pressure sales pitches hyping the profitability of the deal.
    • Don’t be fooled by professional-looking websites boasting profits and featuring impressive-looking photos.
    • Watch out for anyone promoting cures in connection with COVID-19, or other investment opportunities related to the economic downturn.
    • Be wary of anyone who wants you to use your savings or sell current holdings to purchase overvalued assets or assets of uncertain or questionable value, such as cryptocurrencies or precious metals.
    • Check the licensing status of companies offering loans, investments, or other financial services by visiting the Licensee listing on the DBO website.

    If you come across someone you think is trying to defraud you, consider submitting a complaint to the California Department of Financial Protection & Innovation (DFPI) at https://dbo.ca.gov/file-a-complaint. Or you can call the Department’s toll-free Consumer Services Office at 1 (866) 275-2677.

    Loans/Advances

    • Prequalified/Online Loans: Beware of online or text offers for fast, easy loans as these are almost always scams. Never share your account login information, or provide gift cards as “fee payment.” If you need a loan, talk to us first; we have many ways to help.
    • Loan or loan modification fee: If someone asks you to pay up front, contact the California Department of Real Estate (DRE) immediately at 1 (877) 373‑4542. Advance fees for loan modifications are not legal in California. And collecting late fees is prohibited while a loan modification application is under review, a denial is being appealed, or a borrower is making timely payments.
    • Pension advance: Don’t fall for investors who offer to make cash advances if you’re willing to turn over future pension payments in exchange for an immediate lump sum cash payment.

     

    IRS

     

    Resources

    For more information about Coronavirus scams, visit our Security Center.

    Other helpful links:

  • Our mobile and online banking gives you secure, 24/7 access to your accounts. By logging into your account you can:

    • Check balances and monitor account activity
    • Deposit checks with our mobile app
    • Make loan payments
    • Transfer money between RCU accounts or your accounts at other financial institutions
    • Pay bills with Bill Pay
    • Send money to anyone with RCUpay, our person-to-person payment system
    • Order checks
    • Obtain Verification of Deposit

    Please enroll now in online or mobile banking, or call us at 1 (800) 479-7928, option 5 for assistance.

    Already have an account with us?
    Enroll in online banking

    Already enrolled in online banking? Get the mobile app.

  • The well-being of our Members and communities during the COVID-19 pandemic is important to us. Below are community resources for those needing assistance at this time.

    RCU has provided grants to many local nonprofits who are serving the immediate needs of people impacted by COVID-19 and the shelter-in-place directive. If you need assistance, please visit our grantee page to find helpful resources in your area.

    COVID19.ca.gov is California’s primary resource for helpful information and updates on the coronavirus pandemic.

  • To file an insurance claim, please contact your insurance carrier directly at one of the phone numbers listed below. We are available to provide assistance at any point in the claims process from beginning to end.

    When filing your claim, be sure to make a recorded statement while on the phone with the representative.

    Insurance carriers prefer to speak with you directly rather than your insurance agent when you file a claim. This will ensure you receive the most accurate information about your policy coverage and all of your questions are answered.

    If you have any questions or need help contacting your carrier, please contact RCU Insurance Services at (707) 576-5120.

    Debt & Payment Protection Resources

    If you elected to have involuntary unemployment as part of credit insurance and/or debt protection on your RCU loan or credit card, you may be eligible to have up to six months of payments covered if your job status has been affected by COVID-19 and/or the statewide shelter-in-place order.

    Q: COVID-19 has been classified as a pandemic. Does this affect credit insurance or debt protection?
    A: No, pandemics are not excluded by either credit insurance or debt protection. COVID-19 is an illness and will be treated like other illness under the terms of your contract.

    Q: I’m not working because of the statewide shelter-in-place order. Can I file a claim?
    A: Yes, Members who are involuntarily unemployed and have the appropriate coverage on their loan are eligible.

    Q: How do I file a claim?
    A: You can submit a claim to RCU  or call us at 1 (800) 479-7928.

    Q: What happens after I file a claim?
    A: You will be contacted by CUNA Mutual within five days to complete a more detailed claim form and provide any needed documentation. You’ll be able to send this information back to CUNA Mutual and monitor the status of your claim via their web portal at myclaim.cunamutual.com or by contacting us at (707) 576-5221.

  • RCU partners with BALANCE to provide free credit counseling and other financial assistance and education for our Members. If you’re experiencing financial hardship due to the COVID-19 pandemic, you can contact BALANCE directly for one-on-one assistance to schedule a free confidential phone discussion, or by calling 1 (888) 456-2227. Below are some additional resources.

    Preparing for Potential Financial Hardship

    Navigating Financial Hardship

    Recovering from Financial Hardship

  • Avoid nonessential travel and review travel advisories updated daily by the CDC.

    If you need to change or cancel your trip—whether you paid with your credit or debit card or with rewards—we recommend that you start with your travel provider because many airlines and hotels are letting customers change travel to and from areas impacted by COVID-19.

    Changing or Canceling Trips Booked with Your Redwood Credit Union Credit or Debit Card

    • If you used your Redwood Credit Union credit or debit card to book travel directly with an airline, hotel, or other travel provider, the quickest way to find out if you can change your travel plans without a penalty is to check the provider’s website.
    • Go to your airline, hotel, car rental agency or other travel provider’s website to check the most updated cancellation options and rescheduling policies. Policies may change or be added at any time, so check for updates.
    • Follow the travel provider’s process to cancel or reschedule your booking. Providers may be experiencing high call volumes, so check their website for options to cancel or rebook online.
    • If your trip was cancelled and your travel provider has not correctly applied their change/cancellation policy, you can submit a billing dispute. To do this, log into online banking, choose Manage Cards, and then select Dispute a Card Transaction. If your trip is more than 30 days away and you’re not sure if it will still take place, contact us closer to your trip date as it may change between now and then.

    What to Know Before Traveling

    • Go to your airline’s or hotel’s website to learn about refund options, waiver policies, and more under the COVID-19 and Travel Alerts/Advisory sections.
    • Check your airline’s website to find out if your flight has been delayed or canceled.
    • Check your airport to find out if they have specific travel advice for travelers. During times of travel disruption, allow plenty of time to get to the airport.
    • We recommend you check the travel advisories from the U.S. State Department and U.S. Centers for Disease Control and Prevention before traveling.

  • *First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with active checking and active RCU loan or credit card. Active = at least one transaction or payment in prior month. Casino/gambling and ATMs outside U.S. excluded.

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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