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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.

 

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Current rates

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3y/6m ARM Mortgage4

as low as%RATE%APR

Auto Loan5

as low as%APR

Premier Money Market6

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.

Free Financial Resources
Happy couple after home purchase

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.

Google Review

For our community

We are proud to support the communities we serve. Here are a few ways we helped our communities in 2023:

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$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.

  • 1Rates effective February 10, 2025. All rates, terms and special offers subject to change. Cash advance transactions and balance transfers are excluded from earning points. Certain restrictions apply.

    2RCU Auto Services is a wholly owned subsidiary of Redwood Credit Union.

    3Insurance 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.

    4Rates are effective February 10, 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.

    5Rates are effective February 10, 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

    6Premier Money Market Full Disclosure
    Premier Money Market Yields as of February 10, 2025. All rates, yields, terms and special offers subject to change. Certain restrictions apply. APY = Annual Percentage Yield. APY is variable rate. Fees may reduce earnings. 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 Services3.