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PERFORMANCE MONEY MARKET

Earn up to 3.50% APY

Relax and earn the day away with our new Performance Money Market.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 Mortgage3

as low as%RATE%APR

Auto Loan2

as low as%APR

Premier Money Market5

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.

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.

  • 1Performance Money Market Full Disclosure
    You must have an active checking account at RCU and a minimum balance of $100 to open and earn dividends with a Performance Money Market account. To be considered active, your checking account must have a minimum of 3 transactions per month (excluding transactions performed through the 24-Hour Telephone Teller, and dividend posting) and one of the following: (1) 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; (2) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity of 10 transactions or $500 or more in advances; (3) an open loan at RCU in good standing; (4) an investment account through RCU and our partners CUSO Financial Services, L.P. with a minimum balance of $5,000 or more,6 or (5) an active property and casualty insurance policy through RCU Insurance Services.7

    2Rates are effective July 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 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

    3Rates are effective July 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.

    4RCU Auto Services is a wholly owned subsidiary of Redwood Credit Union.

    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 Services7.

    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.

    7Insurance 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.