To get started go to the Membership page and click on Open an Account button. This will start the online application process.  

The application process should take around 10 minutes. Your no-fee checking includes a Membership savings account and many other benefits.

What you’ll need to apply:

  • 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)


You can become a Member of RCU if you live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa. You are also eligible to join if you are an immediate family member of a current RCU Member, or if you work for a designated Select Employer Group. Please contact your company's human resources department to learn if RCU is your designated credit union. 

Select one of the options for eligibility and select products.

Eligibility First Step in Membership Process

Regular Savings

All RCU Members are required to establish a Regular Share savings account, which represents your share in the Credit Union. Balances under $75.00 are subject to a monthly minimum balance fee. Please see our Cost Recovery Schedule and our Truth in Savings Disclosure for further details. Min Deposit: $5.00. When you select your Regular Savings product the features include Online Banking and eStatements. You can uncheck any of the options. Click Add Account button to continue.

Choose Regular Savings

No Fee Checking

  • No minimum balance requirement
  • No fees or monthly service charges
  • Free debit card with free rewards program

When you choose No Fee Checking the Features include:

 You can uncheck any of the options. Click Add Account button to continue.

No Fee Checking - Add Account

Once you have completed the Eligibly Options click Continue button to add your Personal Information.

Select Products

Personal Information - Tell Us About Yourself

Please add your personal information including:

  • Current Physical Address
  • Contact Information
  • Identification
  • Employment

Once your information is filled out you have to option to continue and add a Co-Applicant or continue without filling out the Co-Applicant information.

Tell Us About Yourself


The final step is to fill in your funding information. Deposit funds into your new account.

Funding Your Account Deposit

Once you have completed your Membership application you will be provided your new account number. You can now use your account information to enroll in online banking.

Online Banking Account

To enroll in Online Banking enter the following information:

  • RCU account number for the primary Member; AND
  • Last four digits of the primary Member's Social Security number; AND
  • Birthday (including four-digit year of birth)

RCU Online Banking Sign Up Screen

  • Once complete, type the word YES to accept the Terms of Service and Electronic Signature Disclosure.

2. Set up your new *Username and *Password

3. Select three security questions and enter the answer to each.

4. Set up a security phrase and choose a security image

You're done!

Joint Accounts:

  • Online banking allows joint accounts to register a username and password for the joint account holder to access account information. 
  • If you are a joint account holder on the account you must make sure the primary account holder is registered before you register the joint Member.
  • If you are registering as a joint account holder you need to use your social security number and birthday. Do not use the primary account holder's social security number and birthday information.
  • If you get a message that this user has already been registered, check to make sure you are using your own information. If you continue to have login issues please contact our Member Service Center at 1-800-479-7928.

*Your Username: 

  • Is NOT case sensitive
  • Must not be the same as your account number or password
  • Must be between 6 and 20 characters long
  • Must start with a letter
  • Must contain only letters, numbers
  • Must not contain spaces or special characters (!@& etc)

*Your Password:

  • is case sensitive
  • must not be the same as your account number or username
  • must be between 8 and 20 characters long
  • must contain at least 1 number
  • must contain at least 1 capital letter
  • must contain at least 1 special character (~!@#$%^&?*+=)
  • must contain only letters, numbers and these special characters ~!@#$%^&?*+=

If you have any questions please call our Member Service Center at 1-800-479-7928 or 707-545-4000.

Our Member Service Center is open:
Monday through Friday 7 a.m. to 8 p.m.
Saturday from 8 a.m. to 4 p.m.
> Contact Us

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

*Non-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.

Casino/gambling ATMs excluded. Reimbursements deposited to your RCU account the next business day.

Accrue 1 point for every $1 you spend using your RCU Visa credit card and 1 point for every $2 you spend using your RCU Visa debit card (signature-based transactions only). Business accounts are not eligible.