Redwood Credit Union

Love where you bank with Redwood Credit Union. Open a free checking account, send money, pay bills, track your credit score, apply for loans, and manage your cards all in one secure app. Plus, get paid up to two days sooner with Early Pay.

Not a Member? Join more than 530,000 people who trust RCU with all their banking needs.

THE CREDIT UNION DIFFERENCE
As a not-for-profit cooperative, we’re different from traditional banks. We’re not driven by profit. We’re focused on what’s best for our Members and the communities we serve, offering better rates, fewer fees, and a more personal approach to banking.

FREE CHECKING
• No monthly fees. No minimum balances.
• Get a free contactless debit card.
• Enjoy free access to 35,000+ ATMs nationwide.

EARLY PAY
• Get paid up to 2 days early.
• It's a simple switch with our Direct Deposit Tool.
• Enjoy faster access to your money, securely and automatically.

SEND MONEY, PAY BILLS & TRANSFER FUNDS
• Send money in seconds with RCUpay (person-to-person payments).
• Schedule transfers, pay bills, and manage all your payments in one place.

HIGH-YIELD MONEY MARKET ACCOUNTS
• Earn more than a traditional savings account, with rates up to 6x the national average.
• Access your money whenever you need it. No waiting. No penalties. No fees.
• Grow your money faster with free savings tools and higher rates as your balance increases.

CREDIT CARDS & CARD CONTROLS
• Choose the card that fits your life—earn rewards, enjoy low rates, and build your credit.
• Manage cards in the app, view and redeem rewards, freeze cards instantly, and set alerts for added control.

LOANS
• Explore low-rate auto loans, home loans, personal loans, and credit cards.
• Apply in minutes right from your phone.
• View balances, make payments, and manage your loans in one place.

CREDIT SCORE & FINANCIAL WELLNESS
• Check your credit score and full report anytime for free with Credit+.
• Get real-time alerts, personalized tips, and goal-tracking tools to help strengthen your financial future.

SAFETY & SECURITY
• Monitor account activity, set alerts, and control your cards in real time.
• Feel confident knowing your money is protected with secure, encrypted access.

MEMBER SUPPORT
• Chat with us or schedule an appointment at a local branch.
• Call 24/7 at (800) 479-7928 or text (707) 657-0700 Monday–Friday, 9 a.m.–6 p.m. PT.

BECOME A MEMBER
• Join today! Start a new banking experience in about 5 minutes.
• If you currently live or work in Sonoma, Napa, Marin, Lake, Mendocino, San Francisco, Solano, or Contra Costa counties, or are immediate family of a current Member, you’re welcome to join.

Federally insured by NCUA.
Equal Housing Lender
Credit+ provided by SavvyMoney, Inc.® in partnership with RCU.