Credit | Debit | ATM

  • Overview
  • Manage Cards
  • Rates
  • Compare
  • Apply

Redwood Credit Union (RCU) makes accessing your money and making purchases convenient and rewarding, with our credit, debit and ATM cards.

RCU offers secure options with the ability to manage your activity easily where ever you are!

Visa Platinum Credit Card

A great way to save more with low rates and no fees!

  • Low non-variable and variable rates
  • No fee Rewards
  • No Annual Fee
  • No penalty APR
  • No fee Balance Transfers
  • Electronic & Automatic payment options
  • Cash Advances, no fee if done at a Redwood Credit Union branch
  • Emergency travel service
  • Travel accident and auto rental insurance
  • Learn more about Visa Autopay

Apply Now

Visa Credit Builder Credit Card

A great way to build or repair credit

  • Low variable rate
  • Secured and/or Unsecured
  • No Annual Fee
  • No penalty APR
  • Automatic review for possible credit line increase and interest rate reduction
  • Quarterly financial tips and budgeting tools
  • Access to your credit score to track your progress
  • No fee Rewards
  • No fee Balance Transfers
  • Electronic payment options provide convenience and peace of mind
  • Learn more about Visa Autopay

Apply Now

ATM Card

ATM Card
  • Secure and convenient account access
  • Provides card access to RCU savings or checking accounts using your Personal Identification Number (PIN)
  • Free ATM transactions at RCU and CO-OP Network ATMs

Visa Debit Card

Visa Debit Card
  • Convenient card access to your RCU savings or checking account
  • Free ATM transactions at RCU and CO-OP Network ATMs
  • No fee Rewards 

Redwood Rewards

Redwood Rewards logo
  • Earn rewards points when you use your RCU Visa Credit and Debit card!
  • Earn 1 point for every $1 you spend using your RCU Visa credit card
  • Earn 1 point for every $2 you spend using your RCU Visa debit card (signature transactions only)
  • Points combine when you use both your RCU Visa & debit cards (signature transactions only) for greater rewards!
  • Redeem points for 1% Cash Back, travel, merchandise, gift cards, charity donation and more!
  • No annual fee on Credit or Debit Rewards

If you’re already enrolled, you can view your points or redeem them from within Online Banking. Just login and click on the Rewards tab to get started!

Mobile Wallet

Mobile Wallet
  • Secure way to pay
  • Manage your mobile wallet on the go on your phone
  • Conveniently pay from the palm of your hand
Visa Checkout button

Visa Checkout

Buying online is simple, easy and safe with Visa Checkout 

  • Speed up your online checkout everywhere Visa Checkout is accepted
  • Keep your information secure
  • Shop online quickly, easily and safely

Manage Cards

RCU offers an easy, secure and safe way to manage your cards where ever you are! Our Card Management features are the best way to stay on top of your card activity and spending.

Activate your card
  • Activate your card
    • Securely and easily activate your new debit or credit card, allowing you to immediately use your new card for purchases
Report your card lost or stolen
  • Report a Card Lost or Stolen
    • If your card has been stolen or lost, report it immediately from the mobile app or online banking to prevent fraudulent charges and to obtain a replacement card quickly
Travel notes
  • Travel Notes
    • We monitor for unusual or out of pattern activity. Ensure your transactions are processed without issue when you travel by entering your travel dates, locations and contact information within the mobile app or online banking.
Transfer balances
  • Transfer Balances
    • We make it easy to save with our lower interest rates. Transfer high rate credit card balances to your RCU Visa quickly and easily by calling us today at 1 (800) 479-7928.
Visa eStatements
  • Sign up for eStatements
    • eStatements are a secure way to store financial information. Sign up for eStatements online and have access to your transaction history for years.
INTEREST RATES AND CHARGES
Annual Percentage Rate (APRs) for purchases Non-Variable Rate Program 8.99% to 9.99based on your credit worthiness when you open your account.
Variable Rate Program 9.74% to 18.24% 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% based on your credit worthiness when you open your account.
Variable Rate Program 9.74% to 18.24% based on your credit worthiness when you open your account. 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 12.99based on your credit worthiness when you open your account.
Variable Rate Program 12.74% to 21.00based on your credit worthiness when you open your account. 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 $0.00
For Credit Card Tips from the Federal Reserve Board 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.

Compare Rates & Rewards

Better Rates + Fewer Fees = Best Card Around!

APR

Annual Fee

Balance Transfer Fee

Redeem For

Redwood Credit Union

8.99%

$0

$0

Cash back, Gift Cards, Travel, Merchandise & Charity

Capital OneTM VentureTM Rewards Card

13.9% – 20.9%

$59*

$0

Travel

Chase Sapphire PreferredTM Card 15.99%
(variable)
$95* 3% Cash back, Travel, Gift Cards, Merchandise
Citi ThankYou® Preferred 12.99% – 22.99%
(variable)
$0 3% Cash back, Travel, Gift Cards, Merchandise
BankAmericard Cash RewardsTM 12.99% – 22.99%
(variable)
$0 3% Cash back
Wells Fargo Rewards® 12.15% – 25.99% $0 5% Gift Cards Travel, Merchandise & Charity

*Introductory Annual Fee of $0 the first year
**Rates & offers from Bankrate.com; Creditcards.com; January 2015

Redwood Credit Union makes applying for a credit card quick and easy.

By applying online, you can:

  • Upload documents directly to your new credit card application or application currently in process with RCU.
  • Check the status of your credit card application.
  • Send a message to the Consumer Lending Team.

 

Members Registered for RCU’s
Online Banking


Start a new application
or

Check status of a submitted application

Note: by logging in with your RCU online banking username above, portions of your new credit application will be conveniently pre-filled!

Non-Members and Members
Not Registered for RCU’s Online Banking


Start a new application
or

Check status of a submitted application

Note: on the following page, first time visitors will need to register to apply online – or – if you are returning, you will need to login to access a previous application or submit an additional application.

Submitted your application, ready to become a Member? Join today: