Love Lives At Home. Mortgages made for you

Are you ready for a great mortgage?

Chat now with one of our mortgage specialists!

Great Rates Meet Local Service

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.

Our team of loan officers are here to help you through the home loan process. Call us at 1 (800) 609-9009 or contact us to get started today.

Older couple in their new home

Mortgage Options to Fit Your Needs

We offer a variety of fixed and adjustable rate mortgages that fit your individual needs. Below are purchase & refinance options with APR and interest rates as low as:

30 Year Fixed FirstMortgages

APR
Rate

5/5 ARM - NoClosing Cost Option

APR
Rate

Variable Home EquityLines of Credit

APR
Rate

Our Mortgage Process

1
Gather Your Info

Below are checklists for the info you will need to apply:

2
Apply

Submit your application. On average it takes 15-20 minutes. If you need more time, you can save at any point and return later.

3
Get Approved

You may be instantly approved online. Otherwise we will review your application shortly and reach out to you.

Ready for Your Mortgage? We're Here to Help

Apply Now

Apply for a home loan here.

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Get an Online Quote

Get a quote in under five minutes.

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Make an Appointment

Talk with one of our mortgage experts.

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Want to review your monthly payments? Visit our calculator page arrow icon

Why Choose RCU For Your Mortgage

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Competitive, low rates

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Wide variety of financing options

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Local, trusted service

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Quick closing times


Make Your Home Complete

Now that you've found that perfect home, make it yours. RCU offers convenient home services to bundle with your mortgage and save you money.

Home Insurance

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

Learn More

Solar Loans

Be more energy-efficient and save money with our low-rate and flexible loan term options.

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Equity Loans & Lines

Low rate options for home improvement, weddings, debt consolidation and more.

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Insurance 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. OD91054. NPN no. 7612227.

Second Checklist

Here is a list of some of the things you will need to apply for a second mortgage.

1. Your current residence address, or addresses, for the past two years.

2. Social security numbers for all borrowers.

 

Refinance Checklist

Based upon the type of refinance you are doing, some, or even most of the items on this checklist may not be necessary.

  • Your current residence address, or addresses, for the past two years.
  • Social security numbers for all borrowers.
  • Your employment history for the past two years. You'll need your employer(s) name, address and phone number.
  • Income information for all borrowers. You'll be asked to include salary, overtime, bonuses, commissions, interest/dividend, retirement income and any other regular source of income.
  • The year you purchased the property being refinanced, its original cost, current loan balance and payment amount.
  • Bank and brokerage account information, including the institution name and current balances.
  • If you own any real estate (other than the property you're refinancing), we'll have some basic questions including, address, current market value, the amount you owe, the amount of rental income you receive (if any), and what your monthly payment is.
  • Information about your current debts. We'll ask for the name of the creditor, the account number, the current balance owing and the amount of your monthly payment.

 

Purchase Checklist

Here is a list of some of the things you will need to make it easier to complete your application when you're applying for a loan to purchase a home.

  • Your current residence address, or addresses, for the past two years.
  • Social security numbers for all borrowers.
  • Your employment history for the past two years. You'll need your employer(s) name, address and phone number.
  • Income information for all borrowers. You'll be asked to include salary, overtime, bonuses, commissions, interest/dividend, retirement income and any other regular source of income.
  • The price of the home you are buying, and how much you'd like to borrow toward the purchase.
  • The address of the property you are planning to purchase.
  • Bank and brokerage account information, including the institution name and current balances.
  • If you own any real estate, we'll have some basic questions including, address, current market value, the amount you owe, the rental income you receive (if any), and what your monthly payment is.
  • Information about your current debts. We'll ask for the name of the creditor, the account number, the current balance owing and the amount of your monthly payment.

 

How Does an ARM Work?

Insurance Moratorium

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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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Welcome!

Get started now

Join Now 

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

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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

Ready to Get Started?

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

Related Links

Join RCU Today

RCU Logo

Welcome!

Get started now

Join Now 

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 Account Type

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Welcome!

Choose the Type of Account You Wish to Open

Personal       Youth

 

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

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.

Financial Wellness