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Home | Redwood Credit UnionRedwood Credit Union has been a trusted, and community focused credit union since 1950. We offer banking services to anyone in the North Bay/SF area.Home | Redwood Credit Union Group Log In Search Menu Loan Payment Rates Appointments Locations Contact Join Loan Payment Rates Appointments Locations Contact Menu Accounts Checking Free Checking Dividend Checking Young Adult Checking Senior Checking Direct Access Checking Savings Regular Savings Money Market Certificates Custom Savings Holiday Savings Health Savings Account (HSA) Retirement Traditional IRA Roth IRA SEP IRA Youth Youth Savings Teen Checking & Savings New Here? Let us show you around. We’ve got more than accounts and loans. Loans Vehicle Auto RV, Boat & Trailer Loans Bicycle Home Mortgage Home Equity Solar Loans Construction Loans Personal Personal Loan Personal Line of Credit Support Financial Assistance Loan Payments Debt Consolidation Cards Cards Credit Cards Debit Card Services Services Investment Services Insurance Auto Services Trust & Will Notary Services Online & Mobile Business Checking Essential Checking Choice Checking Analysis Checking Compare Checking Options Savings Business Savings Money Market Certificates Loans & Cards SBA Loans Auto & Equipment Loan Line of Credit Real Estate Credit Cards Debit Card Services Payroll Services Merchant Services Business Investment Services Business Insurance Employee Benefits Online & Mobile Cash Management Services Why join? Many local businesses bank here. Want to know why? Learn About About Us Careers Publications Blog Community Programs Financial Education Financial Education Center BALANCE Resources Recursos en Español Resources Fraud and Security Center Calculators Forms & Applications Personal Banking Rates Business Banking Rates Digital Banking Center Routing#: 321177586 Copy Mobile Nav - Copy Routing Number Search Join Log In Username: Log In Forgot Username or Password Enroll in Digital Banking Skip nav to main content. RCU Insurance Services A small step today for a lifetime of security Celebrate Life Insurance Awareness Month with a life insurance policy from RCU Insurance Services.1 Get Started Love where you bank Redwood Credit Union offers a variety of products and services that are designed with one thing in mind—you. RCU is here to help you on your financial journey every step of the way. Love where you bank. Learn More    Open an Account Featured products and services Shop smart, earn more Unlock the full potential of your spending with an RCU Visa® Credit Card! Enjoy rewards that fit your lifestyle, whether it’s cash back, travel, or special perks.2 View Credit Cards Introducing DreamStart DreamStart is our new home loan program designed exclusively for first-time home buyers looking to turn their homeownership aspirations into reality. View DreamStart Program Fuel your fall adventures Explore affordable auto loans with easy financing options.3 View Auto Loans Current rates View all rates 3y/6m ARM Mortgage4 as low as%RATE%APR Auto Loan3 as low as%APR Premier Money Market5 earn up to%APY What's new Summer Newsletter Get the latest RCU news, smart money tips, fraud protection info, and more. Read More Protect Your Identity Identity theft is on the rise, but there’s a lot you can do to protect yourself before it happens. Read More Down payment assistance RCU is proud to offer $2,500 down payment assistance to those who qualify to help you purchase your next home. Learn More Achieve your financial goals Whatever your financial goals are, RCU is here to help with free resources to get your planning started. Free Financial Resources Save Establish an emergency fund or save for a particular goal. You’ll feel good knowing you’re building a stable financial future. Learn More Spend Whether you're looking to buy a home, a car, or everyday items, having a spending plan in place will set you up for success. Learn More Borrow If you manage your debt well, it can help you build credit and equity, which will give you more financial security in the long run. Learn More Built on love RCU serves over 400,000 of your friends, family, and neighbors. See what they have to say. See More Stories Love my credit union. Great mortgage products, numerous locations, easy phone banking, great online services." — Jim C. For our community We are proud to support the communities we serve. Here are a few ways we helped our communities in 2023: Learn More $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. Open an account online You can easily open a new account online in just a few minutes. Open an Account Meet with us—virtually or in branch Chat with one of our friendly team members. Schedule a Meeting Disclosures 1Insurance 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. 2Rates effective September 18, 2024. Cash advance transactions and balance transfers are excluded from earning points. All rates, terms and special offers subject to change. Certain restrictions apply. 3Rates are effective September 18, 2024 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 4Rates are effective September 18, 2024 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. 5Premier 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 RCU and CUSO Financial Services, L.P.6 with at minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services1. 6Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. SEC Marketing Disclosure. Rates Close modal window Short Term Certificate Rates Short term with active checking6-8 month certificates Earn up to  % APY Short term without active checking12-17 month certificates Earn up to  % APY Short Term Certificates With Active Checking Get a better rate when you maintain an active checking account with RCU (see disclosures for details).   Short Term Standard Certificates (without active checking)   Long Term Certificate Rates Long term with active checking18-21 month certificates Earn up to 4.25 % APY Long term without active checking18-21 month certificates Earn up to 3.50 % APY Long Term Certificates With Active Checking Get a better rate when you maintain an active checking account with RCU (see disclosures for details).   Long Term Standard Certificates (without active checking)   Short Term IRA Certificates With Active Checking Get a better rate when you maintain an active checking account with RCU (see disclosures for details).   Short Term IRA Standard Certificates (without active checking)   Long Term IRA Certificates With Active Checking Get a better rate when you maintain an active checking account with RCU (see disclosures for details).   Long Term IRA Standard Certificates (without active checking)   Auto Loan Rates Close modal window New Auto Rates   Used Auto Rates   Rates Close modal window Money Market Rates   PPP Forgiveness Application Deadline Close modal window 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. Leaving Our Website Close modal window You are leaving our website and linking to an alternative website not operated by us. Redwood Credit Union does not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites. Cancel Continue Log in to Online Banking Close modal window Username: Log In Forgot Username or Password Enroll in Digital Banking Open an Account View Account Options Routing#: 321177586 Copy Footer - Copy Routing Number About About About RCU Careers Blog News Community Programs Banking Banking Checking Accounts Saving Accounts Car Loans Home Loans Credit Cards Services Services RCU Auto Services RCU Insurance Services Investment Services Financial Education Resources Resources Rates Forms & Applications Security Center Fee Schedules Calculators Contact Contact Contact Us Appointments Branch & ATM Finder Press Inquiries Get CoBrowsing code Routing#: 321177586 Copy Footer - Copy Routing Number Let's Connect! Facebook Twitter Instagram LinkedIn YouTube Pinterest ©2024 Redwood Credit Union. All Rights Reserved. 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