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


5/5 ARM - NoClosing Cost Option


Variable Home EquityLines of Credit


Our Mortgage Process

Gather Your Info

Below are checklists for the info you will need to 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.

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.

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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.

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, 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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Marine Insurance

A policy for boats and personal watercraft (such as Jet Skis and Ski-Doos) insures you against most risks of ownership and operation.

  • Protects your boat/watercraft and its motor, trailer and cargo, including fishing equipment
  • Protects you, the owner, against liability of bodily injury or property damage to other people while you’re operating your boat/watercraft

Our Insurance Specialists are ready to offer you a free online quote after they search dozens of insurance carriers for the best price for your policy. Please ask about multi-policy discounts and billing options, too.

Get a Quote

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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Mechanical Breakdown Protection (MBP)

MBP provides comprehensive coverage so you can avoid those unpleasant costs associated with vehicle repairs.

We will pay or reimburse you for reasonable costs to repair or replace any mechanical or electrical part, minus any deductible. Replacement parts may be new, remanufactured or used parts of like kind and quality.

Simply choose the plan that best fits your needs for parts coverage:


  • Engine (including diesels)
  • Turbocharger or supercharger (if factory-installed)
  • Transmission (automatic or standard)
  • Transfer case
  • Drive axles (front and rear)


  • Everything listed under our Standard policy
  • Steering
  • Brakes
  • Electrical
  • Air conditioner
  • Front and rear suspension


  • Everything listed under our Standard and Classic policies
  • Fuel delivery
  • Cooling
  • Enhanced electrical


  • Everything listed under our Standard, Classic and Elite policies
  • Luxury package, factory-installed
  • Interior and exterior appointments

For more information and contract-specific terms and conditions, please call us at
1 (800) 479-7928.

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Join RCU Today

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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!

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

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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.

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