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 10.24% to 18.74% 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 10.24% to 18.74% 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 11.99% to 12.99% when you open your account based on your credit worthiness.
Variable Rate Program 13.24% 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
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

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.