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Personal

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Understanding FICO^® Scores

Understanding FICO ® Scores I ntroduction 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 ® More...

When will my first mortgage payment be posted after the payment has been made online or at a branch?

First mortgage payments made on a business day through digital banking, by calling in to RCU's Member Service Center, or at an RCU branch will be updated on the next business day. Automatic or online payments that fall on the weekend or on a holiday will b More...

Cost Recovery and Fee Schedule - Personal Accounts

COST RECOVERY AND FEE SCHEDULE PERSONAL ACCOUNTS Effective 01/01/2023 Dividend No Fee High alance Regular Savings earing Checking Checking Checking Monthly Minimum alance 3 00 N/A 3 00 6 00 Fee 75 00 by the N/A 500 minimum 2 500 To waive fee last day of th More...

About FICO^® Scores

a { text-decoration:none; } About FICO ® Scores What is FICO ® ? What are FICO ® Scores? How are FICO ® cores different? What goes into FICO ® Scores? What is left out of FICO ® Scores? What is a good FICO ® Score? What are scor More...

How to Transfer Money Internationally

Yes we can assist you with international wires. Domestic and international outgoing wire transfers come with cost recovery charges of $25.00 and $45.00 respectively. Please contact the Member Service Center at 1-800-479-7928 or 707-545-4000 for a current l More...

Business

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Cost Recovery and Fee Schedule - Business Accounts

COST RECOVERY AND FEE SCHEDULE BUSINESS ACCOUNTS EFFECTIVE 01/01/2023 Active Basic Business Business Business Premium Business Checking Savings Checking Checking Account Account Account Monthly Minimum Balance 3 00 10 00 12 00 15 00 Fee Maintain a 1 000 2 More...

Cost Recovery and Fee Schedule - Business ACH Services

Business Account Checklist

BUSINESS ACCOUNT CHECKLIST Thank you for your interest in opening a business account REQUIRED FOR ALL BUSINESS TYPES with Redwood Credit Union! To provide you with the best service experience we will need you to verify and bring the In order to qualify for More...

How do I open a business account?

Business owners can conveniently apply for an account online . The application is easy and takes approximately 20 minutes. Once we receive your application, we’ll email you additional information to finalize your new account. A Member Relationship Sp More...

What are Business Sweeps?

A sweep automatically transfers or “sweeps” funds from one account to an dividend-bearing account based on a certain balance threshold at the end of each day. Sweeps maximize an account’s interest earnings while still covering all withdrawals. For example, More...

About RCU

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Redwood Credit Union Holiday Schedule

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Are my account balances insured, and if so, for how much?

.ncuaVideo { width: 85%; height: 400px; } @media (max-width: 640px){ .ncuaVideo { height: auto; } } Redwood Credit Union's deposit products are federally insured by the NCUA for a minimum of $250,000. However, insurance can often be increased depending More...

What is Redwood Credit Union's routing and transit (ABA) number?

Our routing and transit (ABA) number is 321177586. This number applies to all RCU branches and locations, as well as all account types, including Savings, Checking and Investment accounts. What is my account number? bank routing routing number aba transit More...

Is Redwood Credit Union insured by the FDIC?

We understand the importance of providing our members with a safe and secure place to keep their hard-earned money. That's why we want to reassure you that Redwood Credit Union is federally insured by the National Credit Union Association (NCUA). As a More...

Who regulates credit unions?

Credit unions are regulated by a combination of federal and state agencies which can vary depending on how a credit union is established. State-chartered credit unions are regulated by a state agency in the state they are located. If the credit union is fe More...

Calculators

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Bicycle Loan Calculator

Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press More...

Investment Goal

Investment Goal What will it take to reach your investment goal? Use this investment goal calculator to determine how much your investment might grow before taxes, after taxes and after taxes and inflation. It will also provide suggestions on what to chang More...

Solar Loan Calculator

Solar Loan Calculator Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and tota More...

Amortizing Loan Calculator

Amortizing Loan Calculator Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and More...

Mutual Fund Expense Calculator

Mutual Fund Expense Calculator This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expense More...

Digital Banking

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How do I set up external transfers in digital banking?

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Report a lost or stolen credit or debit card

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How do I make a Payment in Digital Banking?

What is RCUpay?

How to schedule a recurring payment

Financial Assistance

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What can I do to avoid foreclosure?

Concerned About Your Mortgage? Let us help. If you’re experiencing financial distress and are potentially facing the prospect of foreclosure, let RCU help. We are committed to assisting Members and our communities in identifying options to help them More...

Does RCU offer any services to help me manage my debt?

RCU has partnered with BALANCE Financial Fitness Program to offer these services to our Members. BALANCE counselors are financial advisors who deal with debt management and other issues. We have already paid for their service, so there is no cost to you. T More...

I only have a loan with RCU. What is a Share account?

All RCU Members must establish a Regular Share savings account, which represents your share in the Credit Union. This is required to become a Member of a credit union. share membership

I plan to short sale my home, how do I start the process?

The first step to requesting assistance with your RCU home loan is to complete our Financial Wellness Worksheet. This gives our Financial Assistance Officers a look at your current financial picture and helps us to evaluate the best course of action. We wi More...

I am asking RCU to modify my loan. Should I keep making my monthly payments?

Yes, you should. You are still obligated by the original loan terms until a modification is approved and finalized. We will let you know when that change occurs. financial assistance workout work out modification

Financial Wellness

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Five tips for a successful balance transfer.

Make your balance transfer count. The success of your credit card balance transfer is in your hands – but RCU is here to help. With these simple tips, you can be sure to get in on all of the financial benefits of a balance transfer while avoiding pot More...

Hybrid Funds: Balanced, Lifestyle, or Target?

Holding a mix of stocks and bonds is fundamental to building a portfolio that can pursue growth while potentially remaining more stable than a stock-only portfolio during market downturns. Many investors approach this goal by owning a mix of individual sec More...

Decrease Your Debt

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https://www.redwoodcu.org/resources/education/how-to-borrow-money/

Financial Playlist

What are your financial goals? Get your free, personalized playlist based on your financial goals. Get Started >

Interactive Module: Mindful Living

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https://redwoodcu.everfi-next.net/student/dashboard/achieve/investing-in-your-future/mindful-living-achieve?locale=en

Fraud and Scams

Protecting yourself from cryptocurrency fraud

Cryptocurrency is an innovative and convenient way to invest that has caught the eye of many—unfortunately, that includes fraudsters. As with any new technology, there are always those who seek to take advantage of the uninformed. According to a rece More...

How do scammers know I have an account with Redwood Credit Union?

Scammers who try to trick you by impersonating RCU may not actually know you have an account with Redwood Credit Union. Often, scammers will target a city or region and do research on what companies are popular in that area. Using this information, they mi More...