Finance a Car

Finance a Car

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RCU has vehicle loans with low rates, flexible terms and quick loan decisions. When you're in the market for your next vehicle, consider RCU for all your financing needs!

Direct Auto Loan through Redwood Credit Union

RCUAS Auto Lot
  • Low rates and flexible terms
  • Apply and fund your loan either in a branch, by phone or online
  • Get preapproved before searching for a vehicle
  • Find out how much you can comfortably borrow, what your interest rate and terms will be
  • Submit your loan application online

Credit Union Direct Lending (CUDL)

Chelsea Campbell
  • Program partners with local dealerships
  • Purchase a vehicle and complete all paperwork in one visit to the dealership
  • RCU’s lending department receives your purchase documents and processes your loan
  • View a list of Preferred Dealership Partners

Share Secured Loan

Share Secured Loan
  • Work directly with an RCU representative to gain approval and fund your loan, either in a branch or by phone
  • Ideal for people with limited credit history or damaged credit
  • Use your cash to build credit and buy a vehicle
  • Money is secured in a savings account or certificate, which funds the loan
  • Great option for parents who are helping their children with their first auto
  • Visit your local branch to get started

Which loan is right for you?

  Auto Loan Recreational Vehicle Loan CUDL  Share Secured 
Purpose To purchase a new or used vehicle from a dealership or private party To purchase a new or use recreational vehicle from a dealership or private party To purchase a new or used vehicle from a dealership Funds can be used for any reason including purchasing a vehicle from a dealership or private party
Rates

Fixed rate throughout the life of the loan.
View rates

Fixed rate throughout the life of the loan.
View rates

 

Fixed rate throughout the life of the loan.
View rates

APR is 2.5% plus the dividend rate earned on the account the loan is secured against

Payments

Fixed monthly payments

Fixed monthly payments

 

Fixed monthly payments

 

Fixed monthly payments

Terms 

From 24 – 84 months

From 1 – 240 months

From 24 – 84 months

From 1-120 months

Minimum Loan Amount

 $2,000

 $1,000

 $2,000

 $500

Vehicle Age

10 years or newer 

10 years or
newer

10 years or newer

N/A

Choose Account Type

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Choose the Type of Account You Wish to Open

Personal  Youth

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

Solar Loan Payment Calculator

TurboTax Free Version

Free Federal, $27.99 state (optional)

  • Simple tax returns
  • Taxpayers who use Form 1040EZ
  • Taxpayers with children

 

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.

Home Equity Loan Payment Calculator

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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.

RV Payment Calculator

Auto Loans Sale

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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.

Auto Loan Payment Calculator

Solar Loan Credit Lending

New & Used RV Credit Tiers

New & Used Auto Credit Tiers

Call for a Quote

To discuss coverage, please call us at:
1 (800) 479-7928

Choose Auto, RV or Boat Protection

Get an Insurance Quote

Choose the Type of Coverage You Need

Auto Insurance  RV, Motorcycle/ATV or Boat

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

RCU Logo

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