Personal Loans Made Easy. Low-rates, flexible terms and quick decisions

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.

Signature Loans

  • Loan amounts up to $50,000
  • Fixed rates and flexible terms from 36-84 months
  • Use for variety of purposes including debt consolidation, medical expenses, or purchasing an older vehicle

Bicycle Loans

  • Loan amounts up to $20,000
  • Flexible terms from 36-60 months
  • Rates as low as 5.99% APR*
  • Includes new or used bicycles, electric bicycles, and equipment

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

  • Use for a variety of purposes including debt consolidation
  • Low rate--just 2.50% APR** + dividend rate on RCU account. Loan is secured by a single savings account
  • Flexible terms up to 120 months

Signature Rates


Bicycle Loan Rates


Share Secured Rates


Line of Credit/Overdraft Protection Loan 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





Start a New Loan Application

Are you a Member?

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

Not signed up for RCU Online Banking? Enroll now.

Not an RCU Member?

Begin your loan application.

Already Applied in Person or Over the Phone?

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

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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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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.

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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.

Financial Wellness