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Welcome to Redwood Credit Union! Join Now

At Redwood Credit Union (RCU), our mission is to serve your best interests, which means providing exceptional service and value, while assisting you to achieve financial well-being.

As a trusted, full service financial institution serving both personal and business needs, when you join RCU you'll enjoy a wide range of benefits, including:

  • Your savings deposit is all it takes to join & benefit! 
  • Free or dividend-bearing checking (plus a Visa debit card that earns you rewards every time you use it!)
  • A variety of dividend-earning savings accounts, money markets and certificates
  • Low rates on loans for real estate, vehicles, lines of credit, credit cards and more
  • Deposits are federally insured to at least $250,000 by the NCUA, a U.S. government agency 
  • Access to 16 North Bay & San Francisco branch locations, fee-free access to 30,000 CO-OP Network and RCU ATMs, a host of free online services and much more!
  • Exceptional service from a trusted, local financial institution committed to Members, employees and community.
Ready to become a Member of Redwood Credit Union? Join Now!

Credit Unions


Purpose Not for profit For profit
Ownership Has Members who share ownership of the organization Has customers with no ownership in the organization
Governance Members elect a volunteer Board to represent their interests Have a paid Board who represent stockholders; customers do not have voting rights
Decision Democratically controlled by Members Controlled by stockholders and paid officials
Service Service driven Profit driven
Profits Return profits to Members in form of better rates, low or no fees, and to add Member services Return profits to stockholders
Insurance Federally insured by National Credit Union Administration (NCUA), a U.S. government agency Federally insured by Federal Deposit Insurance Corporation (FDIC), a U.S. government agency