Skip nav to main content.
Become a Member

You belong at Redwood Credit Union

This is local banking you can trust.

It’s different here

Credit unions were founded on the idea of people helping people. As a not-for-profit financial cooperative, this philosophy continues to drive everything we do. With an array of financial services delivered with kindness and respect, we’re here to help you succeed.

Where you bank matters

Redwood Credit Union is community banking at its best. If you currently live or work in Sonoma, Lake, Marin, Napa, Mendocino, San Francisco, Solano, or Contra Costa counties, you belong at RCU.

RCU Member Molly shopping at nursery

Your new financial home

From free checking, and high savings rates, to low-rate loans and credit cards, RCU offers banking and financial services that help you succeed.

  • Free checking – Pay no fees and you can earn points with your debit card.1

    Savings – Get great rates on savings certificates, money market accounts, and more.

    Youth accounts – Teach kids smart money habits that will benefit them for life.

  • Low rates – Annual interest rates as low as 8.99% APR.2

    Rewards – Earn reward points good for cash back, gift cards, and more.

    No fees – Don’t pay a penny on balance transfers, foreign transactions, or annual fees.

    View Credit Cards

  • Home loans – We can help with purchase, refinance, equity loans and lines of credit, and construction loans.

    Auto loans – Affordable loans for new, used, and refinanced vehicles, with flexible terms.

    Personal loans – Consolidate debt or finance a large purchase with a personal loan or line of credit.

  • Investments & wealth management3 – Plan for the future with investment services.

    RCU Auto Services4 – Buy new or used vehicles or sell your car through RCUAS.

    RCU Insurance Services5 – Protect all that you love with RCUIS.

    Business services – Grow your business with a range of financial services.

Your hard-earned money is safe

  • a-plus-stability-rating

    Rated one of 21 strongest credit unions in the US by Weiss Ratings in 2021

  • 4th-healthiest-cu

    Rated 4th healthiest credit union in the US by Glatt Consulting HealthScore in 2020

  • Best in State icon

    Rated Best in State Credit Union by Forbes Magazine 3 years in a row

Why bank with a credit union?

Convenient Access

Free ATM Access

Enjoy access to 30,000+ Co-op Network ATMs and 55 local RCU ATMs. Plus, get cash at a non-RCU ATM and we’ll reimburse the fees up to 4 times per month.6

Free Online Banking

Bank anywhere, anytime with free online banking, bill pay, mobile banking, and mobile deposit. Learn more.

RCUpay (person-to-person)7

Easily send and receive money person-to-person from your mobile phone or computer. Learn more.

Visit a Branch

RCU has 20 branches throughout the North Bay and San Francisco. Find your branch.

Watch our Member stories

See how RCU has helped these Members achieve their financial goals.

Let’s do this!

Get started with an RCU savings account. It takes just 5 minutes. From there, a world of better banking awaits you.

You’ll need:

  • Social Security number and date of birth for all account holders
  • Phone number and email address
  • Physical U.S. address
  • Debit card or account information for funding your new account(s)
  • 1Debit rewards available for personal accounts only. Business accounts are not eligible for Debit rewards. Signature-based transactions only.

    2Rates effective February 7, 2023. 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.

    3Non-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.

    4Auto sales & services provided by RCU Auto Services, Redwood Credit Union’s wholly owned subsidiary.

    5Insurance 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.

    6First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with active checking and active RCU loan or credit card. Active = at least one transaction or payment in prior month. (Up to $10 per transaction, casino/gambling and ATMs outside U.S. excluded from reimbursement).

    7Certain restrictions may apply. Recipient must have a U.S. bank account. Once a recipient claims their funds, transfers are generally completed within 1 business day or less, but may take up to 3 business days. Message and data rates may apply. 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.