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Personal Rates

Current Mortgage, Loan, & Personal Banking Rates

Our lowest rates for loans and savings.

First Mortgage Rates

 

Home Equity Rates

 

Visa Credit Card Rates

INTEREST RATES AND CHARGES
Annual Percentage Rate (APRs) for purchases Non-Variable Rate Program 8.99% to 9.99% when you open your account based on your credit worthiness.
Variable Rate Program 9.49% to 17.99% when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Non-Variable Rate Program 8.99% to 9.99% when you open your account based on your credit worthiness.
Variable Rate Program 9.49% to 17.99% when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances Non-Variable Rate Program 11.99% to 12.99% when you open your account based on your credit worthiness.
Variable Rate Program 12.49% to 20.99% when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and when it applies No penalty rate will be applied.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charges $0
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Annual Fee
  • $ 0
Transaction Fees
Balance Transfer Fee

 

Cash Advance Fee

 

Foreign Transaction Fee

$0

 

$0 if cash advance performed at RCU location. 2% of the advance amount or $20, whichever is greater, if cash advance performed at a non-RCU location.

 

$0

Penalty Fees
Late Payment

 

Over-the-Credit Limit

 

Returned Payment

Up to $15

 

$0

 

Up to $22

Other Fees
Redwood Rewards $0

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”The information about the costs of the card described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed call us at 1 (800) 479-7928.

Rates are effective November 28, 2021 and are subject to change without notice.

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