Transfer your other balances to our Visa Platinum Rewards card.

Make this your year. Transfer & save.

No fee

No balance transfer fee
Resolve to save more this new year when you transfer your credit card balances to your RCU Visa® Platinum Rewards.

Annual Fee Icon

No annual fee
With no annual fee, kick start the new year with more money in your pocket.

Low Rate

Low everyday rate
With rates as low as 8.99% APR, you can save hundreds in interest. Transfer your higher rate cards and save.

Voted Top 10

Recognized as “Top 4” in the U.S.
With fruitful rewards, a low rate, no hidden fees and every day low rates, RCU is proud to be named by MoneyNation.com as top 4 credit union cards in the country.*

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Transfer Today
Download the Visa Balance Transfer Authorization Form, fill out and return to any Branch or mail to the P.O. Box address listed at the bottom of the form.

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Convenience & Security
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1(800) 479-7928
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Rates effective 02/22/17. 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. Convenience checks, cash advance transactions and balance transfers are excluded from earning reward points. *As reviewed by MoneyNation.com on October, 25, 2016.

Choose Account Type

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Welcome!

Choose the Type of Account You Wish to Open

Personal  Youth

Already Started?

To complete your application, log in

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.

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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

Visa Holiday Infographic
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.

Auto Loans Sale

Auto savings infographic

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

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

Redwood Credit Union logo

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

Comparison Chart

Compare 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

ATM Info Chart

Home Solutions Video

Compare & Save

ATM Access Comparison

Join RCU Today

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Welcome!

Get started now

Join Now OR Check Status

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

Banks vs Credit Unions