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Low-rate auto loans.
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Auto Loans

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RCU offers loans with low rates, flexible terms, and quick loan decisions—allowing you to enjoy value, convenience, and savings! Get the car you'll love with a loan that fits your budget.

RCU auto loans

  • Flexible terms: loan terms up to 84 months for affordable payments.
  • Convenient shopping: buy new or used, or refinance an existing loan.
  • Easy to apply: apply online, by phone, or at any local dealership.

Find a car you love

  • Ask for RCU financing at any dealership
  • Shop preowned vehicles from RCU Auto Services1 or use our concierge service and we’ll locate, negotiate, and deliver your perfect ride.
  • Find a car you love with Auto Smart and get connected with a dealership

Protect your ride

  • RCU Insurance Services2 works with top rated carriers to provide quality and value-driven insurance to meet your needs and protect your most important assets
  • Avoid forced placed insurance on your Redwood Credit Union consumer loans, learn more.


  • Refinance your existing loans from another lender to RCU
  • If you qualify for a better rate, you could save hundreds of dollars per year
  • Quick, easy application

1RCU Auto Services is a wholly owned subsidiary of Redwood Credit Union.

2Insurance products are not deposits of RCU and are not protected by NCUA. They are not an obligation of or guaranteed by RCU and may be subject to risk. Any insurance required as a condition of an extension of credit by RCU need not be purchased from RCUIS and may be purchased from an agent or an insurance company of the Member’s choice. RCUIS is a wholly-owned subsidiary of RCU. Business conducted with RCUIS is separate and distinct from any business conducted with RCU. License no. OD91054. NPN 7612227.

3Rates effective 7/1/21. Rates, terms, and special offers subject to change. Estimated payment example: For a 60-month term, pay $17.62 per $1,000 borrowed at 2.29% APR. Certain restrictions may apply.

New & Used Auto Rates


Start A New Application

Redwood Credit Union makes applying for an auto loan fast and simple.

Already a Member?

Log on to RCU Online Banking – your application will be prefilled!

Not signed up for RCU Online Banking? Enroll now.

New to RCU?

Apply today and enjoy the benefits of an RCU auto loan!

Already Applied in Person or Over the Phone?

To check the status of your application, view loan conditions, or to upload any requested documents, please log in.

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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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