INTEREST RATES AND CHARGES
Annual Percentage Rate (APRs) for purchases Non-Variable Rate Program 8.99% to 9.99% when you open your account based on your credit worthiness.
Variable Rate Program 10.99% to 19.49% when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Non-Variable Rate Program 8.99% to 9.99% when you open your account based on your credit worthiness.
Variable Rate Program 10.99% to 19.49% when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances Non-Variable Rate Program 12.24% to 13.24% when you open your account based on your credit worthiness.
Variable Rate Program 13.99% to 21.00% when you open your account based on your credit worthiness. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and when it applies No penalty rate will be applied.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charges $0
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Annual Fee
  • $ 0
Transaction Fees
  • Balance Transfer Fee
  • Cash Advance Fee
     
  • Foreign Transaction Fee
  • $0
  • $0 if cash advance performed at RCU location. 2% of the advance amount or $20, whichever is greater, if cash advance performed at a non-RCU location.
  • $0
Penalty Fees
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • Up to $15
  • $0
  • Up to $22
Other Fees
  • Redwood Rewards
  • $0

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

The information about the costs of the card described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed call us at 1 (800) 479-7928.

We may require verification of monthly income to qualify you for a particular loan amount. If you verify lower income, we may offer a lower loan amount. Credit may not be extended if, after you respond, it is determined that you do not meet the criteria used for screening or you do not furnish required collateral or information. When responding to these offers, please provide a current paystub (proof of income). Rates may change between the time this offer was extended and the time you accept this offer. The rate you will receive will depend on the product and options you select as well as the rates we are offering in the credit category in which you were pre-approved at the time you accept this offer.

Pre-Approval Disclosure - Visa

Must be 21 years of age or older to take advantage of this offer. Offer valid through 02/28/2020. This offer is not transferable. If you would like to take advantage of multiple products or borrow a greater amount than you have been pre-approved for, please contact us at (800) 479-7928. Additional information may be required.

PRESCREEN & OPT-OUT NOTICE
This 'prescreened' offer of credit is based on information in your credit report, which indicated that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free at (888) 5OPT-OUT; or write: Equifax Credit Information Services, Inc, P.O. Box 740241, Atlanta, GA 30374

You can choose to stop receiving 'prescreened' offers of credit from this or other companies by calling toll-free (888) 5OPT-OUT. See PRESCREEN & OPT-OUT NOTICE above for more information about prescreened offers.