Personal Loans

VISA Cards

Transfer Balances

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Personal Loans & Lines Of Credit

Signature, Line of Credit and Overdraft Protection

• Loans and lines of credit up to $20,000
• Obtain an advance quickly and easily
• Choose from Overdraft Protection to your RCU Checking Account, a Signature Loan or a Personal Line of Credit!

View rates, terms and conditions

Share Secured Loans

Rates Share Rates Mortgage Rates Share Certificate Rates Consumer Loan New Vehicle Loan Used Vehicle Loan Recreational Loan Stock Secured Loans

• Repayment terms up to 120 months
• Loan amounts from $500
• An APR equal to 2.50% plus the dividend rate you earn on the Share Account securing the loan (for example, if your regular Share Savings account is used to secure the loan, and you're earning a 1.00% Annual Percentage Yield (APY) on that account, the APR on your Share-Secured loan would be 1.00% plus 2.50%, or 3.50%)

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Stock Secured Loans

• Competitive rates tied to the Prime Lending Rate as published in the Wall Street Journal
• Borrow up to 50% of the value of your stocks
• Loan amounts from $500
• Repayment terms up to 60 months

View rates, terms and conditions

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Platinum VISA® Cards

RCU offers Visa credit cards with a host of features and benefits:

• Platinum Visa® Card with credit limits from $500 to $50,000
• Non-Variable and variable rate products available (determined by credit worthiness)
• Consistently low interest rates
• Cash advances available at ATMs displaying the Visa logo
• Exceptional rewards program option that allows you to earn RedwoodRewards Plus points good for travel and merchandise. Find RedwoodRewards Plus program details.
• Travel accident insurance
• Security and extended protection available on purchases made with the card
• Emergency travel assistance
• Auto rental insurance
• Emergency card replacement and cash services
• Annual credit card activity summary sent to cardholder

View rates, terms and conditions

Even more Protection with Verified by Visa®

Online Fraud Protection for RCU Visa Debit & Credit Cards

Redwood Credit Union (RCU) is pleased to introduce Verified by Visa® (VBV), a FREE service which offers Members additional layers of security to help protect you from fraud. Read more.

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RCU Visa® Balance Transfers

Transfer Balances to Start Saving Today

Don't make another payment on your higher rate charge, department store or other credit card— transfer the balance to your low-rate RCU Visa and begin saving immediately!

It's as easy as 1… 2… 3!

1. Simply print off and complete the Balance Transfer Form.
2. List the account balances to be paid off with your RCU Visa account. Specify the exact amount that you want us to transfer.
3. Mail the completed form to:
   • Redwood Credit Union
     Attn: Card Services
     PO Box 6104
     Santa Rosa, CA 95406-0104

Transfer your high rate credit card balances to your RCU Visa® today!

• Balance Transfer Form
• Apply online for a card today
• View rates, terms and conditions
• Add RedwoodRewards Plus

If you have any questions about your available credit or if you'd like to request a credit increase, call us today 1 (800) 479-7928 and we'll be happy to assist you.

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Payment Protection

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Payment Protection will cancel or reduce repayment of your loan debt—helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

• Loss of life, including those caused by acts of war
• Disability, including those caused by acts of war
• Involuntary unemployment

If you have any questions, please call us at: 1 (800) 479-7928 or visit an RCU branch.