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0.75% APR discount now through February 29!1

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.

Current rates

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3/6 ARM Mortgage5

as low as%RATE%APR

Auto Loan1

as low as%APR

Certificates w/active checking3

earn up to%APY

Achieve your financial goals

Whatever your financial goals are, RCU is here to help with free resources to get your planning started.

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Built on love

RCU serves over 400,000 of your friends, family, and neighbors. See what they have to say.

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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 2022:

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$3.7 Million Donated

Through sponsorships, fundraising, and support to local nonprofit organizations.

3,288 Community Hours

Total hours RCU team members committed to our communities.

296,090 Lives Impacted

Through grantmaking to organizations throughout our communities.

  • 1Rates are effective February 21, 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 must be 15 years old or newer and may be financed up to 125% KBB value, depending on credit history and collateral condition. Calculate Rates & Payments Discount effective 2/1/24 through 2/29/24. Rates, terms, and special offers subject to change. Discount for purchases and refinances of existing loans from another lender. Restrictions may apply.

    2Rates effective February 21, 2024. 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.

    3 Rates are effective February 21, 2024 and are subject to change without notice. APY=Annual Percentage Yield. Certificate Yields assume dividends remain in account until maturity; penalty imposed for early withdrawal. Fees may reduce earnings. In order to open and maintain this certificate, you must have an active checking account at RCU. Active checking is defined as a checking account having 3 or more transactions per month (excluding telephone teller or dividend posting transactions).

    4Early Pay may provide access to eligible direct deposits up to two days before the pay day established by the income provider. Direct deposit must be established by the Member and approved by Member’s income provider. Eligible deposits include payroll, government or state benefits and pensions, and military pay. Person to person payments, international payments, business corporate credits, or other payment types are not eligible. Service is provided solely as a Member benefit and is not guaranteed. Certain restrictions may apply.

    5Rates are effective February 21, 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.