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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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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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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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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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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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
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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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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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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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Accidental Death & Dismemberment Insurance
AD&D covers death and loss of limbs due to an accident in order to provide financial security to you and your family. Our Members obtain valuable accident protection at affordable group rates.
Ready to Get Started?
Enroll Now
To change information on any existing AD&D policy with CUNA Mutual, please call toll-free at 1 (877) MEMBERS (1 (877) 636-2377.
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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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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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:
Standard
- Engine (including diesels)
- Turbocharger or supercharger (if factory-installed)
- Transmission (automatic or standard)
- Transfer case
- Drive axles (front and rear)
Classic
- Everything listed under our Standard policy
- Steering
- Brakes
- Electrical
- Air conditioner
- Front and rear suspension
Elite
- Everything listed under our Standard and Classic policies
- Fuel delivery
- Cooling
- Enhanced electrical
Premier
- 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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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
Call for a Quote
To discuss coverage, please call us at:
1 (800) 479-7928
Get a Life Insurance Quote
To get a free insurance quote, please call us toll-free at
1 (800) 779-5433.
Join RCU Today
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!