Online & Mobile Banking

We offer convenient online and mobile access with easy-to-use banking tools that give you the control you need, around the clock.

Set alerts on account activity.
Mobile deposit checks with the app.
RCUpay (P2P) – send money person-to-person from your mobile phone.

Pay bills wherever you are.

Check Balances before you shop.

Transfer funds between accounts or
other RCU Members.

30,000 Free ATMs — find the one nearest you.

Create a budget and manage your money.

Apply for loans with quick & local decisions.

Enroll in Online Banking

To begin using mobile banking, you must be enrolled

in RCU Online banking.

Download the RCU mobile app


Mobile Web

FAQs about RCU Online & Mobile Banking

What accounts and services can I access with mobile banking?
RCU's mobile banking allows you to check your current balances, view transaction history, transfer funds, locate a branch or ATM, get answers quickly and easily and more.
How do I deposit checks on my smart phone or tablet?
>> How do I deposit checks on my smart phone or tablet?
View all RCU mobile banking FAQs
>> View all RCU mobile banking FAQs
Is there a cost to use mobile banking?

No, mobile banking is FREE! However, you will need a data plan on your mobile device. Please check with your wireless provider if you have questions about mobile data plans and associated fees.
What do I need to download to install the application?

First, you will need to have enrolled in RCU online banking. Register now! To use mobile banking, you will need an internet-accessible device and a wireless service plan. The application runs on many existing phones.
How secure is mobile banking?

Mobile banking uses the latest and most advanced security features available. Using mobile banking is as secure as using online banking at home through a secure connection. Learn more.
If my phone is lost or stolen, is my information safe?
Yes. Financial information and login details are never stored on your mobile phone when you use mobile banking.
How do I use mobile banking?

Mobile banking uses a simple menu-driven system that allows you to easily select an account and access available services. Once you’ve registered for the new RCU online and installed the mobile application, simply navigate to the RCU mobile banking icon on your phone’s menu screen or in your application folder to access mobile banking services.
Is a network connection required?

Yes, the application relies on the information from our credit union systems. None of your financial information is stored on your handset when using the application, and you must have a network signal available when using the application.

iPhone App not fully optimized for the iPad experience. Please note: Mobile Banking from RCU is free, but you may incur data charges from your carrier/service plan. Please check with your carrier and service plan on specific charges. iPhone, iPod®, and iPad® are registered trademarks of Apple Inc. Google and Google Play are trademarks of Google Inc. Android™ is a registered trademark of Google, Inc.

Choose Account Type

Welcome!

Choose the Type of Account You Wish to Open

Personal Youth

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Login Help

Need Help Logging in to RCU Online?

If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

Sign up today for RCU Online banking.

enroll now

Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.

Visa Promotion

Fee & term information reflect non-introductory rates, and national averages collected from CreditCards.com 12/2/13 and based off of a 48-month repayment period.

Compare Mortgage Options

	First Mortgages	Equity Loans	Reverse Mortgages
Features	Home loans for purchase or refinance Loans for primary residence, second homes and investment properties Low rates on fixed and variable loans Low down payment options Loans up to $2 million	Home equity loans and lines of credit available Loans for primary residence, second homes and investment properties Low fixed and variable rate options Loans up to $500,000	Unique loan that allows homeowner convert a portion of home’s equity into cash Can provide income for retirement and estate planning Reverse loans are available for Members 62 years and older Loans available regardless of income Amount borrowed depends on factors such as value of home, current interest rate and borrower’s age
To Learn More or Apply	apply	apply	Call our helpful mortgage experts at 1 (800) 609-9009.

First Mortgages

Equity Loans

Reverse Mortgages

Features

Home loans for purchase or refinance
Loans for primary residence, second homes and investment properties
Low rates on fixed and variable loans
Low down payment options
Loans up to $2 million

Home equity loans and lines of credit available
Loans for primary residence, second homes and investment properties
Low fixed and variable rate options
Loans up to $500,000

Unique loan that allows homeowner convert a portion of home’s equity into cash
Can provide income for retirement and estate planning
Reverse loans are available for Members 62 years and older
Loans available regardless of income
Amount borrowed depends on factors such as value of home, current interest rate and borrower’s age

To Learn More or Apply

apply

Call our helpful mortgage experts at 1 (800) 609-9009.

Solar Loan Credit Lending

Savings Rates

Special Savings Rates

HSA Rates

Dividend Bearing Checking Rates

High Balance Dividend Earning Checking

Personal Loan Rate Tiers

Top 4 Credit Union Myth Busters

Myth #1: Credit unions are exactly the same as banks

Truth: Credit unions provide the same services as banks, but we do it differently. Banks exist to earn profits for their stockholders. A credit union is owned and run by its members as a cooperative, which means our focus is on people, not profits. For you, that means fewer and lower fees, better rates and exceptional service.

Myth #2: You can’t get a variety of products and services

Truth: Credit unions offer the same range of financial services as a bank, like debit and credit cards, online banking, mobile apps, auto loans and more. The difference is credit unions have fewer fees and lower rates – we use our profits to save you money.

Myth #3: Credit unions are not convenient

Truth: Remember paying a fee when you use an ATM from another bank? RCU is part of the CO-OP Network, giving you convenient FREE access to more than 30,000 ATMs at other credit unions, 7-Eleven and Costco locations. That’s more than any bank! Plus, you can do many transactions online or on your phone without ever having to visit a branch.

Myth #4: Only some people can join a credit union

Truth: While credit unions are chartered to serve specific regions or communities, nearly everyone is eligible to join and benefit.

Now you know the truth. Come experience the difference & bank easier with RCU!

Compare Nationwide ATM Access

Are you tired of paying a fee when you use an ATM from another bank? RCU is part of the CO-OP Network, giving you convenient FREE access to more than 30,000 ATMs at other credit unions, 7-Eleven and Costco locations. That’s more than any bank! ¹

		Wells Fargo	Bank of America	Chase
ATM Access	FREE 31,000+ locations nationwide 3 free per month for non-RCU/CO-OP ATMs ²	Free at 12,000+ locations nationwide $2.50 per transaction at non-Wells Fargo ATMs	Free at 17,000+ locations nationwide $2.50 per transaction at non-B of A ATMs	Free at 20,000 locations nationwide $2 per transaction at non-Chase ATMs
¹ Fee & ATM information collected from bank websites 8/13/14 ² $1 each thereafter

Compare & Save

Compare ATM Access

ATM Info Chart

Compare & Save

Join RCU Today

Welcome!

Get started now

Join Now

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

Savings Without the Workout

Checking Comparison Chart

Who Offers More Free ATMs Nationwide?

ATM Infographic

Banks vs Credit Unions

Join RCU Today

Welcome!

Get started now

Join Now

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Choose Account Type

Welcome!

Choose the Type of Account You Wish to Open

Personal Youth

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.