Home Loan Center

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Are you ready for a great mortgage?

Chat now with one of our mortgage specialists!

Love everything about your home. At Redwood Credit Union, we offer affordable solutions for all your home needs every step of the way. Count on us to deliver a one-stop experience.

Looking to buy a new home or refinance? 5 questions to ask your lender before choosing a mortgage.

First Mortgages

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Loans for purchase or refinance of primary residence, second homes, investment properties and reverse mortgages.

Equity Loans & Lines

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Low fixed and variable rate options for home improvements, vacations, weddings and more!


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Apply online today – it’s quick and easy!

Free Real Estate Resources

Powered by CU Realty Services
HomeAdvantage™ can help you to find a trusted agent, search for a home and more.


Home Insurance
Homeowners, renters, and rental insurance to cover loss and damage to property.

Solar Loans

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Be more energy-efficient, reduce your carbon footprint and save money with our low-rate and flexible loan term options.

HomeAdvantage is available to you through a relationship between RCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using RCU for a mortgage is not required to earn Cash Rewards, and amounts are dependent on the commissions paid to the agent. RCU may have rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states, however, are void where prohibited by law or by the lender. Please consult with RCU for details that may affect you.

First Mortgage Rates

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Online Rate Quotes


Home Equity Rates

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Online Rate Quotes


Insurance Moratorium


Due to the recent fires, RCU Insurance Services is unable to provide a quote for home and auto insurance through our website.

To learn more, please call us toll free at 1 (866) 477-4225 or email InsuranceServices@redwoodcu.org

Please Call

For more information on Mechanical Breakdown please contact us at

1 (707) 576-5080

Auto, Motorcycle, ATV and RV

RCU Insurance Services offers protection for you, your vehicles and your passengers by comparing rates among several carriers to deliver the best coverage and value.

We’ll help you create an insurance plan for your automobile, motorcycle, ATV or RV.

  • Multi-car and multi-policy discounts
  • Good-driver discounts
  • Discounts for safety equipment

Get a Quote

California’s Compulsory Financial Responsibility Law

Every driver and owner of a motor vehicle in California must meet minimum limits of liability insurance. Often, you need more coverage beyond these minimums.

  • $15,000 in bodily injury for the death or injury of any one person in any one accident
  • $30,000 in bodily injury for all persons in any one accident
  • $5,000 in property damage for any one accident

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Join RCU Today

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Get started now

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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!

Choose the Type of Term Life Insurance You Need

Life Insurance

To get a free insurance quote, please call us toll-free at

1 (888) 888-0376
Get a Quote

Get a Life Insurance Quote

To get a free insurance quote, please call us toll-free at
1 (800) 779-5433.

Choose Auto, RV or Boat Protection

Get an Insurance Quote

Choose the Type of Coverage You Need

Auto Insurance

RV, Motorcycle/ATV or Boat

Choose Which Type of Protection

Get an Insurance Quote

Choose the Type of Coverage You Need

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You are leaving the Redwood Credit Union Website

You are leaving our website and linking to an alternative website not operated by us. Redwood Credit Union does not guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites. The vendor will gather essential personal information in order to provide you with a competitive policy quote.

Call for a Quote

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

Get a Commercial Insurance Quote

If you have any questions, or would like a quote, please call us at
(866) 477-4225 or (707) 576-5115

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.

enroll now

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.

Deposit Insurance

All of your Redwood Credit Union deposits are insured to at least $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Administration (NCUA).

This deposit insurance is the strongest available, backed in full by the U.S. government. No Member of a federally insured credit union has ever lost even a single penny of insured savings.

Great news! Funds in your non dividend bearing checking accounts with RCU have unlimited federal deposit insurance through December 31, 2012!

Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules.

The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

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Umbrella Policies

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Get a Quote

You can use an umbrella policy to supplement your auto and homeowners policy to cover any legal fees and settlement costs if you are a defendant in a personal injury or property damage lawsuit.

  • $1 million to $5 million in additional coverage is available
  • Save your family from financial disaster
  • Umbrella policy takes over after your other policies reach their limits

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Accidental Death & Dismemberment Insurance

Term Life Insurance

A term life policy typically covers you for 1, 5, 10 or 20 years to ensure that your family can manage living expenses (such as paying the mortgage, paying ongoing living expenses or funding college educations) if you pass away with outstanding debts or young children.

Ready to Get Started?

Call us at 1 (800) 479-7928.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Identity Theft Insurance

We’re committed to protecting you against identity theft, the fastest-growing crime in America. So we partnered with Identity Fraud Inc., to provide the best identity protection.

  • Specializes in educating and training people on what to do to protect themselves
  • Helps Members restore their identity when they are victimized
  • Offers great terms and conditions and fewer exclusions

Redwood Credit Union Members receive a discounted price by using the code “RCU Member” during check-out.

If you have any questions, please call us toll-free at 1 (866) 443-3728 / (866) 4-IDFRAUD. 

Sign up now to protect your identity with Identity Fraud Inc.

Sign Up

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Travel Insurance

RCU Insurance Services helps both U.S. citizens and visiting foreign nationals obtain the insurance they need for medical and travel-cost coverage.

We offer a variety of plans through Seven Corners.

  • Medical insurance for U.S. citizens traveling overseas and foreign nationals visiting the U.S.
  • Trip insurance to cover costs and your luggage while traveling
  • Annual/multi-trip travel coverage to protect you anytime you’re outside of your country
  • Medical coverage for students, faculty and scholars traveling abroad
  • Special medical coverage for missionaries
If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

Ready to get started?
Get a Quote

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Wedding and Event Insurance

Any wedding and event planning should include a solution for the unexpected setback. Through RCU Insurance Services, you can safeguard your investment through the Travelers’ Wedding Protector Plan.

With premiums starting at $160, you can cover a variety of contingencies:

  • Cancellation or postponement
  • Additional related expenses
  • Wedding photography and video
  • Wedding gifts
  • Special jewelry
  • Lost deposits
  • Liability insurance (optional coverage)

Ready to purchase or learn more about the Wedding Protector Plan from Travelers?

Learn More about wedding and event insurance

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Pet Insurance

You love your pets and will do anything to ensure their health. Redwood Credit Union makes it easier to pay for their medical bills through a pet health insurance plan.

The coverage is comprehensive, simple to understand and easy to use.

  • Access the latest in veterinary medicine
  • Covers everything from regular exams to treatment for injuries and illness
  • RCU Members receive a 5% group discount

Ready to get a quote?

Get a Quote


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Guaranteed Asset Protection

If an accident or theft leads to a total loss of your vehicle, GAP covers the difference between what you owe on the loan and what your insurance policy covers. This coverage can save you thousands of dollars.

  • Protects new and used vehicles valued up to $100,000
  • One-time cost of $299 for autos, slightly higher for motorcycles, boats and RVs
  • Can cover up to two skipped payments
  • Waives losses up to $50,000
  • Receive a $1,000 loan credit when you finance your replacement vehicle through RCU
How GAP Works
Loan amount: $25,000
Term: 60 months
Loss date: 36 months
Loan payoff: $15,000
Insurance settlement: $12,000
GAP (deficiency): ($3,000)
GAP payment to Credit Union: $3,000
Out-of-pocket expense: $0

For more information or to purchase GAP coverage, please call 1 (800) 479-7928, send an email to RCUInsuranceServices@redwoodcu.org, or visit your nearest Redwood Credit Union branch. To purchase GAP coverage, you may also print out and complete this form and bring it to any branch or fax to (707) 522-6851.

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Payment Protection

Prepare for the unexpected with this voluntary loan-payment protection product that eases financial stress for you and your family if something happens to you.

  • Avoid delinquency, default or foreclosure
  • Cancel or reduces repayment of your loan debt
  • Protected events include involuntary unemployment and loss of life or disability, including those caused by acts of war

Get peace of mind for you and your family by going through our easy enrollment process. Please call Redwood Credit Union at 1 (800) 479-7928.

Collateral Protection

This force-placed insurance covers the collateral of a loan at a lending institution, usually an automobile. This insurance does not protect motorists and therefore, does not meet California’s legal requirements for motorists.

You can avoid the need for Collateral Protection by providing RCU with a copy your insurance coverage information for your home, auto, motorcycle, RV, trailer or boat.

First Mortgages
Redwood Credit Union
Its Successors And/Or Assigns
PO Box 961292
Fort Worth, TX 76161-0292
Fax: 1 (855) 640-4865

Second Mortgages
Redwood Credit Union
Its Successors And/Or Assigns
PO Box 6104
Santa Rosa, CA 95406
Fax: 1 (877) 716-4692

Vehicle Loans
Redwood Credit Union
PO Box 6104
Santa Rosa, CA 95406
Fax: 1 (877) 716-4692

Please verify that we received a copy of your insurance policy by calling 1 (866) 877-3373 (for vehicle loans and second mortgages/home equity loans) or 1 (866) 669-8615 (for first mortgages).

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Financial Wellness