Home Ownership is knocking. Answer with a mortgage from RCU.

First Mortgages

  • Overview
  • Rates
  • Resources

Looking to purchase or refinance a home? Let Redwood Credit Union help you with a mortgage loan that fits your budget and your individual needs.

Product Features
  • Low rates on fixed and variable rate loans
  • No closing cost options
  • 3% down payment options
  • Jumbo loans up to $2 million
  • Guaranteed closing dates for home purchases
  • Reverse mortgages - learn more about reverse mortgages by calling our partners, Alliance Reverse Mortgage, at 1 (800) 816-2655.

Adjustable Rate Mortgages (ARM)

Fixed Rate

At a Glance
  • Fixed initial interest rate
  • Adjust periodically thereafter.
  • Both rate and payment stay the same throughout life of the loan.
  • Lower start rate in early years of loan for increased buying power.
  • Fixed rate throughout life of loan.
Rate Changes

Rate caps provide protection from fluctuations.

Fixed rate throughout life of the loan.


Fixed payments for initial period provide stability, but can adjust thereafter based on market and loan type/terms.

Fixed payments make budgeting and planning easy and payments consistent.


30-year term with rate fixed for first: 

  • 3 years (3/1 ARM)
  • 5 years (5/1 ARM & 5/5 ARM) 
  • 7 years (7/1 ARM)
  • 10 years (10/1 ARM)

Adjusts annually thereafter. Rates on 5/5 ARM adjust every 5 years, respectively, after initial fixed rate period. 

Choose from a variety of terms to fit your needs:

  • 30 years
  • 20 years
  • 15 years
  • 10 years
Recommendation Best for those planning to sell or refinance in 2 – 7 years. Best for those planning to own home longer term. 

First Mortgage Rates

Learn More  Apply Now

Online Rate Quotes


Home Equity Rates

Learn More  Apply Now

Online Rate Quotes


Join RCU Today

RCU Logo


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

RCU Logo


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