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Personal & Other Loans

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Redwood Credit Union (RCU) offers a variety of personal loans and lines of credit to meet your lending needs. With low rates, a variety of flexible terms and quick, local loan decisions, we're confident you'll find a loan to meet your individual needs.

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Signature Loans

  • Loan amounts up to $50,000
  • Fixed rates and flexible terms from 36-84 months (click on "Compare" tab for details)
  • Use for variety of purposes including debt consolidation, medical expenses, or purchasing older vehicle

Lines of Credit

  • Low fixed rate line of credit with ability to draw on funds as needed
  • Credit limit with no set term allows you to use funds and repay often
  • Use for a variety of purposes including overdraft protection

Share Secured Loan

  • Personal loans secured by your savings or certificates
  • Use for a variety of purposes including debt consolidation 
  • Low rate--just 2.50% APR + dividend rate on RCU account loan is secured by
  • Flexible terms up to 120 months

Platinum Visa Credit Cards

  • Low non-variable and variable rates
  • Optional Rewards program
  • No Annual Fee
  • No penalty APR
  • No fee Balance Transfers
  • Electronic payment option provides convenience and peace of mind

Learn more  

More benefits

Sign up for RCU's Visa Autopay program
Learn more about Visa Autopay.
Learn more about RCU's RedwoodRewards Plus program

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Signature Rates


Share Secured Rates


Signature Loans

Line of Credit

Credit Card 

Share Secured 


Fixed rate throughout life of loan

Fixed rate with ability to draw funds

Non-variable or variable rate based on credit history

2.50% APR + dividend rate on RCU account by which loan is secured 


Fixed monthly payments

Payments calculated on balance owed

Minimum payment 2% of new balance or $10 whichever is greater

Fixed monthly payments

Annual Fee






36 – 84 months

Open line of credit with no fixed term

Revolving line of credit with no fixed term

Up to 120 months

Minimum Loan Amount