Get more from your checking

3033 Cleveland Ave. Santa Rosa, CA 95403
1 (800) 479-7928
redwoodcu.org

^*Registration/activation required.

¹Benefits are available to personal checking accounts and the primary accountholder and joint accountholder(s) subject to the terms and conditions for the applicable benefits or as set forth in the Benefits Checking Terms of Service. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

²Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

³Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

⁴Minimum balance required to open a Benefits Checking Account is $25.00. Benefits may be accessed within RCU’s Digital Banking platform.

⁵SmartSweep is an optional payment service available for RCU credit cards. Member must set the designated payment schedule and have sufficient available funds to cover the scheduled payment. If sufficient available funds are not in the designated account, payment will not occur, and it is the Member’s responsibility to ensure all required credit card payments are made. Certain restrictions may apply.

⁶RCU will donate $0.25 to local nonprofits in Sonoma, Napa, Marin, Lake, Mendocino and San Francisco counties for each card transaction performed by RCU Members. Program details are effective 10/16/25 and are subject to change. Purchases with an RCU card are not tax deductible. Visa debit and credit card purchases only. ATM transactions, merchandise returns, and cash advances are excluded.

⁷Certificate Yields as of October 1, 2025. All rates, yields, terms, and special offers subject to change. Certain restrictions apply. APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective October 1, 2025 and are subject to change. To open, obtain, and maintain the advertised rate for the certificate, you must have a $1,000 deposit and an active checking account at RCU. Active checking is defined as a checking account having three or more transactions per month (excluding telephone teller or dividend posting transactions).

⁸Rates are effective October 1, 2025, and are subject to change without notice. Certain restrictions may apply. New autos are defined as vehicles with fewer than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Used autos may be 10 years old or newer and may be financed up to 125% KBB value; autos 11-15 years old may be financed up to 110% KBB value depending on credit history and collateral condition. Payment sample: 60 mo. term per $1,000 borrowed: $19.22 at 5.74% APR. 36 mo. term only applies to purchases, refinanced loans excluded.

⁹Rates effective October 1, 2025. All rates, terms, and special offers subject to change. Cash advance transactions and balance transfers are excluded from earning points. A foreign transaction fee of 1% applies to each transaction made in foreign currency and converted to U.S. dollars. Certain restrictions apply.

Federally insured by NCUA.