Start the new year off right

The new year is a great time for a little financial tune-up. We’ve got some simple things you can do to set yourself up financially for a healthy 2026. No big commitment to resolutions needed!

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A MESSAGE FROM OUR PRESIDENT & CEO

Stronger together: Support local in 2026

As we step into 2026, doing business in the communities where we live and work matters more than ever. By banking or shopping locally, you’re investing in the people and places that make our region thrive.

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Share the love

Do you love RCU's low rates? How RCU gives back? Banking locally? Do you love being a part of RCU? Tell your friends and family what you love about RCU and invite them to become Members, too!

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Making homeownership possible

Saving for a down payment can be an obstacle for many on the path to homeownership. The Redwood Credit Union Community Fund offers down payment assistance grants up to $25,000 to help eligible first-time home buyers. Share the info with friends and family—or donate to help make someone’s dream a reality!

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Notice of RCU’s Annual Membership Meeting and Election of Officials

Thursday, April 23, 2026, 5:00 p.m.

Save the date for RCU’s Annual Membership Meeting and Election of Officials, where our leaders will share information about our 2025 results.

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Featured rates

Premier Money Market

as high as 4.15% APY¹

Savings Certificates

as high as 4.10% APY²

Visa^® (Credit Cards)

as low as 10.49% APR³

View All Rates

Holiday closures

Martin Luther King Jr. Day

January 19, 2026

Presidents Day

February 16, 2026

View Holiday Schedule

Security tip

If you receive a text or message from an unknown sender—especially one that claims to be a “wrong number”—don’t reply, click any links, or share personal information. Scammers use these tactics to lure people into fake cryptocurrency schemes. Learn more.

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

¹Rates are effective December 31, 2025. All rates, yields, terms and special offers subject to change. Certain restrictions apply. APY = Annual Percentage Yield. APY is variable rate. Minimum balance of $2,500 to earn dividends and (1) an active checking account at RCU. To be considered active, checking account must have a minimum of 3 transactions per month (excluding 24-Hour Telephone Teller, fee or dividend posting transactions); (2) a minimum monthly digital deposit of $500 or more into account. Digital deposit is defined as a deposit made via ACH, mobile deposit, ATM, or wire; (3) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity 10 transactions or $500 or more in advances; and (4) an open loan at RCU in good standing, an investment account through Redwood Wealth Management with a minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services. Fees may reduce earnings. Minimum balance of $500,000.00 to earn the advertised APY.

²Certificate Yields as of December 31, 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. 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).

³Rates effective December 31, 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.