Preparing A Budget At Redwood Credit Union, we love to help you succeed and creating, maintaining, and sticking to a budget can be a huge part of your financial success! With that, we thought we'd provide you with a couple of tools to help you build, assess, and keep on top of a budget. While a budget is generally thought to be a rigid plan on how you can spend your money, thinking of it as a spending plan may be beneficial as it does not sound so tedious or restrictive and it better impli  More...

One way Fraudsters attempt to ease your concerns about a fraudulent scheme is to mail you a Cashier’s Check. We have all come to trust these checks as being reliable yet the Fraudsters have become very good at counterfeiting these items or altering stolen cashier’s checks. These items are often presented under the following circumstances: As payment for something you are selling. As payment for work that has been promised to you. As lottery winnings. As part of a loan or advance. In  More...

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After making your Mobile Deposit, please follow these best practice guidelines: Write “Mobile deposit on date (xx/xx/xx)” on the front of your check. The date should be the month, day, and year of your deposit. Securely store your check for 7 days after your deposit, and then destroy it. This allows sufficient time in case the original check is required for any reason. mobile deposit mdc check

RCU Visa ® credit cards offer cell phone protection. You can be reimbursed in the event your device is stolen or damaged. All you have to do is pay your monthly mobile phone bill with your RCU Visa Platinum or Visa Signature ® credit card, and you’ll be automatically eligible to receive this great benefit, plus you’ll earn reward points for each billing cycle. Visa Platinum Card offers up to $250 in coverage. Visa Signature® offers up to $500 in coverage. How to redeem: V  More...

As your not-for-profit financial cooperative, Redwood Credit Union (RCU) is committed to providing you with personalized options and solutions to meet your financial needs. As a service to Members, RCU may authorize and pay your overdrafts on debit card transactions – including everyday debit card transactions such as purchasing groceries, dining out or buying a tank of gas – when there are insufficient funds available in your account. Federal regulations require us to obtain your ag  More...

Understanding FICO ® Scores Introduction to Credit Scoring - FICO ® Score About FICO ® Scores New Credit - FICO ® Scores Credit Card - FICO ® Scores Student Loan - FICO ® Scores Mortgage - FICO ® Scores Bankruptcy - FICO ® Scores More about FICO ® Scores Financial Health Glossary of Credit Terms - FICO ® Scores FICO ® Score Decisions - Video Series FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Redw  More...

Transfer to Another RCU Member's Account/s Processing Time: Instant How To STEP 1 Log into RCU Online Banking. Under the Transfers Payments tab, select “Transfer to Another RCU Member. STEP 2 Enter the necessary information: transfer source account, the transfer destination account, the first 3 letters of the receiving Member's last name, the receiving Member's full account number,amount you wish to transfer and select time/frequency. STEP 3 Add a customized comment to the t  More...

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When you make your Visa credit card or first mortgage payment using RCU Online, by calling into RCU's Member Service Center, or in an RCU Branch, your payment will be posted to your loan by the end of the business day following the day you initiated the payment. The payment will be effective dated back to the date you initiated the payment. For example, if you make your payment on Monday at 6:00 PM, your payment will be posted by the end of Tuesday with an effective date of Monday. Payments   More...