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Become a Member

Get more from your banking

We can help you achieve your goals with banking tools that deliver great value. Your new membership includes a regular savings account, a free checking account with rewards, affordable loans and credit cards, and convenient access to your accounts. Feel good about where you bank—bank with us.

Get Started!

The application process should take around 10 minutes.

Please have available:

  • Social Security number and date of birth for all account holders
  • Phone number and email address
  • Physical U.S. address
  • Debit card or account information for funding new account(s)


  • Free access to 30,000+ CO-OP Network ATMs and 55 local RCU ATMs. Plus, use a non-RCU ATM and we'll reimburse the fees, up to 4 times per month.4 Learn more
  • Free online banking, bill pay, mobile banking, and mobile deposit. Learn more
  • RCUpay (P2P), the fast and secure way to send or receive money person-to-person from your mobile phone.
  • 21 locations throughout the North Bay and San Francisco  

convenient access

credit cards

Membership open to anyone living or working in the greater North Bay and San Francisco. Some restrictions may apply.

1Debit rewards available for personal accounts only. Business accounts are not eligible for debit rewards. Signature-based transactions only. Cash advance transactions and balance transfers are excluded from earning points. Full program details at

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

3Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (”CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

4First 2 non-RCU ATM fees reimbursed with checking first 4 fees reimbursed with checking and active RCU loan or credit card. Active loan or cred card – at least 1 transition or payment in prior month. Casino/gambling and ATMs outside U.S. excluded.

Join RCU Today

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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!

Choose Account Type

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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.

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