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Get more from your banking!

Redwood Credit Union wants to help make this your year - earn rewards and save more with free checking; save time with convenient online and mobile banking, and reach your goals with low rate loans and credit cards. Because when you get more from your banking, you get more from life.

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Better Rates & Fewer Fees:

  • Free checking & debit that’s really free compare button
  • Access to nearly 30,000 fee-free ATMS nationwide (including Costco & 7-Eleven stores) compare button
  • Combinable debit and credit rewards redeemable for cash back, travel, gift cards and more! Learn More Button
  • Free online and mobile banking: online banking, bill pay, eStatements & mobile banking Learn More Button
  • Low rates on loans & credit cards  Learn More Button

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Experience the RCU Difference:

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Money Tips, Tools & Resources to Shape Up Your Finances:

Isn't it time? Start loving where you bank today!

Yes, you can open an account and save at Redwood Credit Union (RCU). Serving residents & businesses in the greater North Bay and San Francisco. Some restrictions may apply. Accrue 1 point for every $2 you spend using your RCU Visa debit card (signature-based transactions only). Debit rewards available for personal accounts only. Business accounts are not eligible for debit rewards. We look forward to serving you!

Choose Account Type

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Welcome!

Choose the Type of Account You Wish to Open

Personal  Youth

Already Started?

To complete your application, log in

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.

Visa Promotion

Visa Holiday Infographic
Fee & term information reflect non-introductory rates, and national averages collected from CreditCards.com 12/2/13 and based off of a 48-month repayment period.

Compare Mortgage Options

 

First Mortgages

Equity Loans

Reverse Mortgages

Features

  • Home loans for purchase or refinance
  • Loans for primary residence, second homes and investment properties
  • Low rates on fixed and variable loans
  • Low down payment options
  • Loans up to $2 million

 

  • Home equity loans and lines of credit available
  • Loans for primary residence, second homes and investment properties
  • Low fixed and variable rate options
  • Loans up to $500,000

 

  • Unique loan that allows homeowner convert a portion of home’s equity into cash
  • Can provide income for retirement and estate planning
  • Reverse loans are available for Members 62 years and older
  • Loans available regardless of income
  • Amount borrowed depends on factors such as value of home, current interest rate and borrower’s age

 

To Learn More or Apply

Call our helpful mortgage experts at 1 (800) 609-9009.

Solar Loan Credit Lending

Savings Rates

Special Savings Rates

HSA Rates

Dividend Bearing Checking Rates

High Balance Dividend Earning Checking

Personal Loan Rate Tiers

Top 4 Credit Union Myth Busters

Myth #1: Credit unions are exactly the same as banks

Truth: Credit unions provide the same services as banks, but we do it differently. Banks exist to earn profits for their stockholders. A credit union is owned and run by its members as a cooperative, which means our focus is on people, not profits. For you, that means fewer and lower fees, better rates and exceptional service.

Myth #2: You can’t get a variety of products and services

Truth: Credit unions offer the same range of financial services as a bank, like debit and credit cards, online banking, mobile apps, auto loans and more. The difference is credit unions have fewer fees and lower rates – we use our profits to save you money.

Myth #3: Credit unions are not convenient

Truth: Remember paying a fee when you use an ATM from another bank? RCU is part of the CO-OP Network, giving you convenient FREE access to more than 30,000 ATMs at other credit unions, 7-Eleven and Costco locations. That’s more than any bank! Plus, you can do many transactions online or on your phone without ever having to visit a branch.

Myth #4: Only some people can join a credit union

Truth: While credit unions are chartered to serve specific regions or communities, nearly everyone is eligible to join and benefit.

Now you know the truth. Come experience the difference & bank easier with RCU!

Compare Nationwide ATM Access

Are you tired of paying a fee when you use an ATM from another bank? RCU is part of the CO-OP Network, giving you convenient FREE access to more than 30,000 ATMs at other credit unions, 7-Eleven and Costco locations. That’s more than any bank! 1

Redwood Credit Union logo

Wells Fargo

Bank of America

Chase

ATM Access

FREE
31,
000+  locations nationwide
3 free per month for
non-RCU/CO-OP ATMs 2

Free at 12,000+ locations nationwide
$2.50 per transaction at non-Wells Fargo ATMs

Free at 17,000+ locations nationwide
$2.50 per transaction at non-B of A ATMs

Free at 20,000 locations nationwide
$2 per transaction at non-Chase ATMs

1 Fee & ATM information collected from bank websites 8/13/14
2 $1 each thereafter

Compare & Save

Comparison Chart

Compare ATM Access

Are you tired of paying a fee when you use an ATM from another bank? RCU is part of the CO-OP Network, giving you convenient FREE access to more than 30,000 ATMs at other credit unions, 7-Eleven and Costco locations. That’s more than any bank! 1

ATM Info Chart

Compare & Save

ATM Access Comparison

Join RCU Today

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Welcome!

Get started now

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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!

Savings Without the Workout

Checking Comparison Chart

Who Offers More Free ATMs Nationwide?

ATM Infographic

Banks vs Credit Unions

Banks vs Credit Unions