Personal Loans

VISA Cards

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Personal Loans & Lines Of Credit

Signature, Line of Credit and Overdraft Protection

• Loans and lines of credit up to $20,000
• Obtain an advance quickly and easily
• Choose from Overdraft Protection to your RCU Checking Account, a Signature Loan or a Personal Line of Credit!

View rates, terms and conditions

Share Secured Loans

Rates Share Rates Mortgage Rates Share Certificate Rates Consumer Loan New Vehicle Loan Used Vehicle Loan Recreational Loan Stock Secured Loans

• Repayment terms up to 120 months
• Loan amounts from $500
• An APR equal to 2.50% plus the dividend rate you earn on the Share Account securing the loan (for example, if your regular Share Savings account is used to secure the loan, and you're earning a 1.00% Annual Percentage Yield (APY) on that account, the APR on your Share-Secured loan would be 1.00% plus 2.50%, or 3.50%)

View rates, terms and conditions

Stock Secured Loans

• Competitive rates tied to the Prime Lending Rate as published in the Wall Street Journal
• Borrow up to 50% of the value of your stocks
• Loan amounts from $500
• Repayment terms up to 60 months

View rates, terms and conditions

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Platinum, Classic & Share-Secured VISA Cards

RCU offers a variety of VISA credit cards with a host of features and benefits:

• Consistently low interest rates
• No annual fee
• No cash advance fee at RCU branches
• 25-day grace period on purchases
• Cash advances available at ATMs displaying the VISA logo
• Exceptional rewards program option that allows you to earn CU Rewards points good for travel and merchandise. Find CURewards program details. (Share-Secured excluded)
• Platinum Card with credit limits from $5,000 to $50,000
• Classic Card with credit limits from $500 to $10,000
• Share-Secured credit limits from $500 to $20,000
• Share-Secured VISA cards require a pledge from an RCU share savings or certificate account (excluding IRA and checking accounts) equal to the card's credit limit for as long as the member has the card

The VISA Platinum card offers these additional benefits:

• Travel accident insurance
• Security and extended protection available on purchases made with the card
• Emergency travel assistance
• Auto rental insurance
• Emergency card replacement and cash services
• Annual credit card activity summary sent to cardholder
• CURewards: Earn points on every Visa transaction, redeem them for merchandise or travel

View rates, terms and conditions

And NOW even more Protection with Verified by VISA

Online Fraud Protection for RCU Visa Debit & Credit Cards

Redwood Credit Union (RCU) is pleased to introduce Verified by Visa (VBV), a FREE service which offers Members additional layers of security to help protect you from fraud. Read more.

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RCU VISA 6.90% APR Balance Transfer Rate for 2 Years

Transfer Balances to Start Saving Today

Don’t make another payment on your higher rate charge, department or other credit card— transfer the balance to your low-rate RCU VISA and begin saving immediately! Balance Transfer rate is 6.90% for 2 years. Standard rate begins at 9.90% APR.

It’s as easy as 1...2...3!

1. Simply print off and complete the Balance Transfer Form found here.
2. List the account balances to be paid off with your RCU VISA account. Specify the exact amount that you want us to transfer.
3. Mail the completed form to:
   Redwood Credit Union
   PO Box 6104
   Santa Rosa, CA 95406-0104

Transfer your high rate credit card balances to your RCU VISA® today !

• Balance Transfer Form
• Apply online for a card today
• View rates, terms and conditions
• Add CURewards

If you have any questions about your available credit or if you’d like to request a credit increase, call us today 1 (800) 479-7928 and we’ll be happy to assist you.

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Credit Life and Disability Insurance

For extra protection and peace of mind, we offer Credit Life & Disability Insurance for most loans at a nominal charge. Premiums are added to your monthly loan payment and are financed over the term of the loan. Ask us about this important coverage for your loan.

If you have any questions, please call us at: 1 (800) 479-7928 or visit an RCU branch.