Personal & Other Loans

  • Overview
  • Rates
  • Compare

Redwood Credit Union (RCU) offers a variety of personal loans and lines of credit to meet your lending needs. With low rates, a variety of flexible terms and quick, local loan decisions, we're confident you'll find a loan to meet your individual needs.

View our rates

Signature Loans

  • Loan amounts up to $50,000
  • Fixed rates and flexible terms from 36-84 months (click on "Compare" tab for details)
  • Use for variety of purposes including debt consolidation, medical expenses, or purchasing older vehicle

Lines of Credit

  • Low fixed rate line of credit with ability to draw on funds as needed
  • Credit limit with no set term allows you to use funds and repay often
  • Use for a variety of purposes including overdraft protection

Share Secured Loan

  • Personal loans secured by your savings or certificates
  • Use for a variety of purposes including debt consolidation 
  • Low rate--just 2.50% APR + dividend rate on RCU account loan is secured by
  • Flexible terms up to 120 months

Platinum Visa Credit Cards

  • Low non-variable and variable rates
  • Optional Rewards program
  • No Annual Fee
  • No penalty APR
  • No fee Balance Transfers
  • Electronic payment option provides convenience and peace of mind

Learn more   View our Visa rates

More benefits

Sign up for RCU's Visa Autopay program
Learn more about Visa Autopay.
Learn more about RCU's RedwoodRewards Plus program

Ready to apply?

apply

 
 

Signature Loans

Line of Credit

Credit Card 

Share Secured 

Rates

Fixed rate throughout life of loan

View rates

Fixed rate with ability to draw funds
 
View rates

Non-variable or variable rate based on credit history

View rates

2.50% APR + dividend rate on RCU account by which loan is secured 

Payments

Fixed monthly payments

Payments calculated on balance owed

Minimum payment 2% of new balance or $10 whichever is greater

Fixed monthly payments

Annual Fee

 No

 No

 No

 No

Terms 

36 – 84 months

Open line of credit with no fixed term

Revolving line of credit with no fixed term

Up to 120 months

Minimum Loan Amount

 $500

 $500

 $500

 $500

Mobile Deposit Requirements

Mobile Deposit Requirements: You must have a mobile device with Internet access and a digital camera. Android users must be running version 3.0 or newer and iPhone users must be running version 4.3 or newer. Mobile deposit is available for iPad 2 version 5.0 or newer. Mobile banking is FREE to RCU Members and allows you to access your accounts via a mobile website or our RCU Mobile downloadable app.

Homeowners Insurance

RCU Insurance Services works with insurance companies that provide the most reliable home insurance policies.

  • Protect your home and its contents against theft, fire and other losses
  • Special coverage available for jewelry, computers, artwork, antiques, collectibles and other valuables

Renters Insurance

You need insurance coverage even if you rent your home because your landlord’s insurance likely won’t cover damage to your belongings.

  • Protects you in the event of a fire or other unexpected events
  • Covers your personal property
  • May cover costs resulting from loss, such as additional living expenses while your apartment is repaired

Rental Insurance

This policy offers protection for the rental property owner.

  • Protect against losses from fire and lightning, plus resultant smoke and water damage
  • Coverage includes loss of rents
  • A special form endorsement can be added to include all risk coverage with certain exclusions
  • Contents and liability coverage may be added

Our Insurance Specialists are ready to offer you a free online quote after they search dozens of insurance carriers for the best price for your policy. Please ask about multi-policy discounts and billing options, too.

Get a Quote

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

Travel Insurance

RCU Insurance Services helps both U.S. citizens and visiting foreign nationals obtain the insurance they need for medical and travel-cost coverage.

We offer a variety of plans through Seven Corners.

  • Medical insurance for U.S. citizens traveling overseas and foreign nationals visiting the U.S.
  • Trip insurance to cover costs and your luggage while traveling
  • Annual/multi-trip travel coverage to protect you anytime you’re outside of your country
  • Medical coverage for students, faculty and scholars traveling abroad
  • Special medical coverage for missionaries
If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

Ready to get started?
Get a Quote

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Choose Account Type

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Choose the Type of Account You Wish to Open

Personal  Youth

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Builder’s Risk Insurance

Builders’ Risk policies cover buildings and structures under construction, remodeling or repair while protecting against damage from theft, fire, vandalism, wind and other accidental loss or damage.

Coverage typically extends until the building or structure is completed and/or accepted by the owner.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Solar Loan Payment Calculator

Errors & Omissions/Professional Liability Insurance

Errors & Omissions/Professional Liability Insurance protects businesses against loss due to a claim of negligence, error or omission by the business.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Directors’ and Officers’ Liability

Directors’ and Officers’ Liability policies protect associations and corporate officers, managers and directors against claims from shareholders, government agencies, employees and other parties alleging mismanagement.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Employee Benefit Liability

Employee Benefit Liability coverage protects employers against claims by employees or former employees that result from alleged negligent acts or omissions in the administration of a company’s employee benefit programs.

Coverage includes administrating plans such as these:

  • Employee counseling
  • Interpreting employee benefit programs
  • Handling records
  • Timely enrolling, terminating or canceling employees in specified plans

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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TurboTax Free Version

Free Federal, $27.99 state (optional)

  • Simple tax returns
  • Taxpayers who use Form 1040EZ
  • Taxpayers with children

 

General Liability

General Liability policies typically address claims that arise out of an insured person’s or business’ liability for injuries and/or property damage caused by multiple factors:

  • Ownership of property
  • Manufacturing operations
  • Contracting operations
  • Sale or distribution of products
  • Operation of machinery

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Workers’ Compensation

Most states, including California, require Workers’ Compensation coverage for employees to provide benefits for job-related injuries or illnesses.

This policy protects you and your company by eliminating lawsuits related to these specific injuries or illnesses.

If you have questions about the coverage requirements in California, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Auto, Motorcycle, ATV and RV

RCU Insurance Services offers protection for you, your vehicles and your passengers by comparing rates among several carriers to deliver the best coverage and value.

We’ll help you create an insurance plan for your automobile, motorcycle, ATV or RV.

  • Multi-car and multi-policy discounts
  • Good-driver discounts
  • Discounts for safety equipment

Get a Quote

California’s Compulsory Financial Responsibility Law

Every driver and owner of a motor vehicle in California must meet minimum limits of liability insurance. Often, you need more coverage beyond these minimums.

  • $15,000 in bodily injury for the death or injury of any one person in any one accident
  • $30,000 in bodily injury for all persons in any one accident
  • $5,000 in property damage for any one accident

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Pollution Insurance

Pollution insurance offers protection to business owners on multiple levels:

  • Covers all fines incurred due to pollution discharge that results in environmental damage
  • Reimburses reasonable and necessary cleanup costs associated with carrying out a government order following environmental damage
  • Covers costs associated with legal defense

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Login Help

Need Help Logging in to RCU Online?

If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

Sign up today for RCU Online banking.

enroll now

Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.

Flood Insurance

This insurance covers against loss from floods, including the loss of the structure. These policies are widely available through the National Flood Insurance Program, which was developed by the private industry and the federal government.

Earthquake Insurance

Many people living in earthquake-prone areas overlook the need for this type of policy, which covers property damage caused by an earthquake. Most property insurance packages do not include protection against earthquakes, but this coverage can be purchased as an add-on.

Our Insurance Specialists are ready to offer you a free online quote after they search dozens of insurance carriers for the best price for your policy. Please ask about multi-policy discounts and billing options, too.

Get a Quote

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Business Property & Income Insurance

Business Property & Income coverage provides significant protection of multiple business assets.

  • Covers your building, equipment, furnishings, fixtures, inventory, computers, records and other valuables
  • Helps repair or replace your business location and its contents
  • May also help provide income if your business can’t operate for a period after a covered loss

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Products & Completed Operations Liability

Products & Complete Operations Liability protects against financial loss for a manufacturer, merchant, contractor or distributor based on injuries or damages that result from using a covered product or performing a covered operation.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Garage Liability

Garage Liability coverage is tailored for businesses specializing in vehicle sales and repairs. It covers auto salesrooms, used-car lots, service stations and repair garages for bodily injury and property damage.

Premiums are based on the payroll of the business.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Fidelity Bonds

Fidelity bonds may be used by employers to protect themselves against losses due to employees’ fraudulent activities. The majority of these policies are written on a blanket basis, though some scheduled policies are still available.

  • Coverage includes loss of money, securities and other property
  • Provides coverage for all employees, subject to the policy definitions
  • Limit of liability is “per loss” applied on an occurrence basis
  • All acts involving the same employee or group of employees are considered one occurrence

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

Related Links

Home Equity Loan Payment Calculator

Payment Protection

Prepare for the unexpected with this voluntary loan-payment protection product that eases financial stress for you and your family if something happens to you.

  • Avoid delinquency, default or foreclosure
  • Cancel or reduces repayment of your loan debt
  • Protected events include involuntary unemployment and loss of life or disability, including those caused by acts of war

Get peace of mind for you and your family by going through our easy enrollment process. Please call Redwood Credit Union at 1 (800) 479-7928.

Collateral Protection

This force-placed insurance covers the collateral of a loan at a lending institution, usually an automobile. This insurance does not protect motorists and therefore, does not meet California’s legal requirements for motorists.

You can avoid the need for Collateral Protection by providing RCU with a copy your insurance coverage information for your home, auto, motorcycle, RV, trailer or boat.

First Mortgages
Redwood Credit Union
Its Successors And/Or Assigns
PO Box 961292
Fort Worth, TX 76161-0292
Fax: 1 (855) 640-4865

Second Mortgages
Redwood Credit Union
Its Successors And/Or Assigns
PO Box 6104
Santa Rosa, CA 95406
Fax: 1 (877) 716-4692

Vehicle Loans
Redwood Credit Union
PO Box 6104
Santa Rosa, CA 95406
Fax: 1 (877) 716-4692

Please verify that we received a copy of your insurance policy by calling 1 (866) 877-3373 (for vehicle loans and second mortgages/home equity loans) or 1 (866) 669-8615 (for first mortgages).

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Visa Promotion

Visa Holiday Infographic
Fee & term information reflect non-introductory rates, and national averages collected from CreditCards.com 12/2/13 and based off of a 48-month repayment period.

Identity Theft Insurance

We’re committed to protecting you against identity theft, the fastest-growing crime in America. So we partnered with Identity Fraud Inc., to provide the best identity protection.

  • Specializes in educating and training people on what to do to protect themselves
  • Helps Members restore their identity when they are victimized
  • Offers great terms and conditions and fewer exclusions

Redwood Credit Union Members receive a discounted price by using the code “RCU Member” during check-out.

If you have any questions, please call us toll-free at 1 (866) 443-3728 / (866) 4-IDFRAUD. 

Sign up now to protect your identity with Identity Fraud Inc.

Sign Up

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RV Payment Calculator

Fiduciary Liability

Fiduciary Liability policies (also known as Pension Trust Liability Insurance) protects against losses for any alleged wrongful act by the person or business that is insured or any person for whom the insured person or business responsible and covers any defense costs connected with covered claims.
The policy, written on a claims-made form, covers these wrongful acts:

  • Any violation of the responsibilities, obligations or duties imposed on fiduciaries by the Employee Retirement Income Security Act (ERISA)
  • Acts, errors and omissions in the plan administrator’s performance of duties

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Surety Bonds

Surety Bonds provide monetary compensation if a company fails to perform specified acts within a stated period. For example, the surety bond would be responsible for fulfilling a contract if a contractor defaults.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Employment Practices Liability

Employment Practices Liability covers business owners, managers, supervisors, directors, officers and employees are covered against claims resulting from multiple allegations such as these:

  • Wrongful termination
  • Discrimination
  • Sexual harassment
  • Wrongful discipline
  • Failure to employ or promote

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Auto savings infographic

Deposit Insurance

All of your Redwood Credit Union deposits are insured to at least $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Administration (NCUA).

This deposit insurance is the strongest available, backed in full by the U.S. government. No Member of a federally insured credit union has ever lost even a single penny of insured savings.

Great news! Funds in your non dividend bearing checking accounts with RCU have unlimited federal deposit insurance through December 31, 2012!

Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules.

The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

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Business Owners’ Policy

The Business Owners’ Policy is a package policy that provides property and liability coverage exclusively for small- and medium-sized businesses.
Businesses must meet certain criteria to be eligible for this coverage, and insurers consider multiple factors for eligibility and premiums:

  • Size of the premises
  • Required limits of liability
  • Type of business
  • Extent of off-site activity
  • Business location
  • Financial stability
  • Building construction
  • Security features
  • Fire hazards

This policy includes multiple coverages, such as money and securities, signs, business interruption, loss of refrigeration and much more.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Inland/Ocean Marine Insurance

Inland/Ocean Marine policies cover items in transit as well as bridges, tunnels and other means of transportation and communication. The Ocean Marine policy provides coverage on all types of vessels, including liabilities connected to them, and their cargo.

Numerous floater policies insure personal effects, personal property, jewelry, furs, fine art and other valuables.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Wedding and Event Insurance

Any wedding and event planning should include a solution for the unexpected setback. Through RCU Insurance Services, you can safeguard your investment through the Travelers’ Wedding Protector Plan.

With premiums starting at $160, you can cover a variety of contingencies:

  • Cancellation or postponement
  • Additional related expenses
  • Wedding photography and video
  • Wedding gifts
  • Special jewelry
  • Lost deposits
  • Liability insurance (optional coverage)

Ready to purchase or learn more about the Wedding Protector Plan from Travelers?

Learn More

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Marine Insurance

A policy for boats and personal watercraft (such as Jet Skis and Ski-Doos) insures you against most risks of ownership and operation.

  • Protects your boat/watercraft and its motor, trailer and cargo, including fishing equipment
  • Protects you, the owner, against liability of bodily injury or property damage to other people while you’re operating your boat/watercraft

Our Insurance Specialists are ready to offer you a free online quote after they search dozens of insurance carriers for the best price for your policy. Please ask about multi-policy discounts and billing options, too.

Get a Quote

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Umbrella Policies

Ready to Get Started?

Get a Quote

You can use an umbrella policy to supplement your auto and homeowners policy to cover any legal fees and settlement costs if you are a defendant in a personal injury or property damage lawsuit.

  • $1 million to $5 million in additional coverage is available
  • Save your family from financial disaster
  • Umbrella policy takes over after your other policies reach their limits

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Guaranteed Asset Protection

If an accident or theft leads to a total loss of your vehicle, GAP covers the difference between what you owe on the loan and what your insurance policy covers. This coverage can save you thousands of dollars.

  • Protects new and used vehicles valued up to $100,000
  • One-time cost of $299 for autos, slightly higher for motorcycles, boats and RVs
  • Can cover up to two skipped payments
  • Waives losses up to $50,000
  • Receive a $1,000 loan credit when you finance your replacement vehicle through RCU
How GAP Works
Loan amount: $25,000
Term: 60 months
Loss date: 36 months
Loan payoff: $15,000
Insurance settlement: $12,000
GAP (deficiency): ($3,000)
GAP payment to Credit Union: $3,000
Out-of-pocket expense: $0

For more information or to purchase GAP coverage, please call 1 (800) 479-7928, send an email to RCUInsuranceServices@redwoodcu.org, or visit your nearest Redwood Credit Union branch. To purchase GAP coverage, you may also print out and complete this form and bring it to any branch or fax to (707) 522-6851.

Related Links

 

Business Income Insurance

Business Income insurance reimburses a business owner for lost profits and continuing fixed expenses if a business must close due to physical damage from a covered peril, such as fire.

Also known as Business Interruption Insurance, this policy also may cover financial losses that occur if civil authorities limit or prohibit public access to the area in which the business operates following a disaster. Depending on your policy details, civil authorities coverage may start after a waiting period and last two or more weeks.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Accidental Death & Dismemberment Insurance

AD&D covers death and loss of limbs due to an accident in order to provide financial security to you and your family. Our Members obtain valuable accident protection at affordable group rates.

Ready to Get Started?

Enroll Now

To change information on any existing AD&D policy with CUNA Mutual, please call toll-free at 1 (877) MEMBERS (1 (877) 636-2377.

Term Life Insurance

A term life policy typically covers you for 1, 5, 10 or 20 years to ensure that your family can manage living expenses (such as paying the mortgage, paying ongoing living expenses or funding college educations) if you pass away with outstanding debts or young children.

Ready to Get Started?

Call us at 1 (800) 479-7928.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

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Compare Mortgage Options

 

First Mortgages

Equity Loans

Reverse Mortgages

Features

  • Home loans for purchase or refinance
  • Loans for primary residence, second homes and investment properties
  • Low rates on fixed and variable loans
  • Low down payment options
  • Loans up to $2 million

 

  • Home equity loans and lines of credit available
  • Loans for primary residence, second homes and investment properties
  • Low fixed and variable rate options
  • Loans up to $500,000

 

  • Unique loan that allows homeowner convert a portion of home’s equity into cash
  • Can provide income for retirement and estate planning
  • Reverse loans are available for Members 62 years and older
  • Loans available regardless of income
  • Amount borrowed depends on factors such as value of home, current interest rate and borrower’s age

 

To Learn More or Apply

Call our helpful mortgage experts at 1 (800) 609-9009.

Commercial Auto

Just like a personal auto insurance policy, a commercial auto policy protects your company’s important assets on the road.

RCU Insurance Services can help you develop a policy that covers your company’s needs with a variety of auto liability, medical, uninsured motorist, collision and comprehensive coverages and deductibles.

Whether you maintain one vehicle or a fleet for your business, a commercial policy is more prudent than covering the vehicles with a personal policy.

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Boiler & Machinery Insurance

Boiler and Machinery policies provide coverage for losses stemming from the operation of pressure, mechanical and electrical equipment. Coverage includes the following:

  • Loss of the boiler and machinery itself
  • Damage to other property
  • Losses connected to business interruption

If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

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Pet Insurance

You love your pets and will do anything to ensure their health. Redwood Credit Union makes it easier to pay for their medical bills through a pet health insurance plan.

The coverage is comprehensive, simple to understand and easy to use.

  • Access the latest in veterinary medicine
  • Covers everything from regular exams to treatment for injuries and illness
  • RCU Members receive a 5% group discount

Ready to get a quote?

Get a Quote

 

Related Links

Auto Loan Payment Calculator

Mechanical Breakdown Protection (MBP)

MBP provides comprehensive coverage so you can avoid those unpleasant costs associated with vehicle repairs.

We will pay or reimburse you for reasonable costs to repair or replace any mechanical or electrical part, minus any deductible. Replacement parts may be new, remanufactured or used parts of like kind and quality.

Simply choose the plan that best fits your needs for parts coverage:

Standard 

  • Engine (including diesels)
  • Turbocharger or supercharger (if factory-installed)
  • Transmission (automatic or standard)
  • Transfer case
  • Drive axles (front and rear)

Classic

  • Everything listed under our Standard policy
  • Steering
  • Brakes
  • Electrical
  • Air conditioner
  • Front and rear suspension

Elite

  • Everything listed under our Standard and Classic policies
  • Fuel delivery
  • Cooling
  • Enhanced electrical

Premier

  • Everything listed under our Standard, Classic and Elite policies
  • Luxury package, factory-installed
  • Interior and exterior appointments

For more information and contract-specific terms and conditions, please call us at
1 (800) 479-7928.

Related Links

Solar Loan Credit Lending

New & Used RV Credit Tiers

New & Used Auto Credit Tiers

Get a Commercial Insurance Quote

If you have any questions, or would like a quote, please call us at
(707) 576-5397

Call for a Quote

To obtain a free insurance quote, call us at:
1 (866) 477-4225

Choose Which Type of Protection

Get an Insurance Quote

Choose the Type of Coverage You Need

Travel  Event



You are leaving the Redwood Credit Union Website

You are leaving our website and linking to an alternative website not operated by us. Redwood Credit Union does not guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites. The vendor will gather essential personal information in order to provide you with a competitive policy quote.

Choose Auto, RV or Boat Protection

Get an Insurance Quote

Choose the Type of Coverage You Need

Auto Insurance  RV, Motorcycle/ATV or Boat

Get a Life Insurance Quote

To get a free insurance quote, please call us toll-free at
1 (800) 779-5433.

Savings Rates

Special Savings Rates

HSA Rates

Dividend Bearing Checking Rates

High Balance Dividend Earning Checking

Personal Loan Rate Tiers

Choose the Type of AD&D Coverage or Term Life Insurance You Need

Accidental Death & Dismemberment Insurance

Complimentary $2K in coverage for RCU Members
Enroll Today
Additional AD&D Coverage
Get a Quote

Term Life Insurance

To get a free insurance quote, please call us toll-free at

1 (866) 477-4225.

Dancing Reddy Video

Top 4 Credit Union Myth Busters

Myth #1: Credit unions are exactly the same as banks

Truth: Credit unions provide the same services as banks, but we do it differently. Banks exist to earn profits for their stockholders. A credit union is owned and run by its members as a cooperative, which means our focus is on people, not profits. For you, that means fewer and lower fees, better rates and exceptional service.

Myth #2: You can’t get a variety of products and services

Truth: Credit unions offer the same range of financial services as a bank, like debit and credit cards, online banking, mobile apps, auto loans and more. The difference is credit unions have fewer fees and lower rates – we use our profits to save you money.

Myth #3: Credit unions are not convenient

Truth: Remember paying a fee when you use an ATM from another bank? RCU is part of the CO-OP Network, giving you convenient FREE access to more than 30,000 ATMs at other credit unions, 7-Eleven, Costco and Walgreens locations. That’s more than any bank! Plus, you can do many transactions online or on your phone without ever having to visit a branch.

Myth #4: Only some people can join a credit union

Truth: While credit unions are chartered to serve specific regions or communities, nearly everyone is eligible to join and benefit.

Now you know the truth. Come experience the difference & bank easier with RCU!

Compare Nationwide ATM Access

Are you tired of paying a fee when you use an ATM from another bank? RCU is part of the CO-OP Network, giving you convenient FREE access to more than 30,000 ATMs at other credit unions, 7-Eleven, Costco and Walgreens locations. That’s more than any bank! 1

Redwood Credit Union logo

Wells Fargo

Bank of America

Chase

ATM Access

FREE
31,
000+  locations nationwide
3 free per month for
non-RCU/CO-OP ATMs 2

Free at 12,000+ locations nationwide
$2.50 per transaction at non-Wells Fargo ATMs

Free at 17,000+ locations nationwide
$2.50 per transaction at non-B of A ATMs

Free at 20,000 locations nationwide
$2 per transaction at non-Chase ATMs

1 Fee & ATM information collected from bank websites 8/13/14
2 $1 each thereafter

Compare & Save

Comparison Chart

Compare ATM Access

Are you tired of paying a fee when you use an ATM from another bank? RCU is part of the CO-OP Network, giving you convenient FREE access to more than 30,000 ATMs at other credit unions, 7-Eleven, Costco and Walgreens locations. That’s more than any bank! 1

ATM Info Chart

Home Solutions Video

PermaPlate Appearance Protection

  • Exterior Protection

    • Weather Induced Fading
    • Weather Induced Oxidation
    • Weather Induced Loss of Gloss
    • Industrial Fallout Surface Rust
    • Bird Drop Stains
    • Insect Stains
    • Tree Sap Stains
    • Acid Rain Etching
  • Exclusionary Interior Protection

    • Food & Beverage Stains
    • Oil-Based Stains
    • Water-Based Stains
    • Ink & Dye Stains
    • Pet Stains
    • Lipstick & Mack-up Stains
    • Leather/Vinyl Fading & Cracking
    • Accidental Rips, Tears
    • Accidental Burns

Compare & Save

ATM Access Comparison

Christine Foster's Bio

Christine believes that a well-planned and executed long-term investment strategy enables investors to be self-sufficient and financially independent, particularly in their retirement years. 

Christine Foster has been a Senior Financial Advisor at Redwood Credit Union (RCU) since 2001, specializing in the areas of Retirement Planning and Wealth Management. She spends much of her time researching investment trends for the ongoing benefit of her Member-clients and has 20+ years of experience in the financial services industry.

Christine is a graduate of the University of Lille, located in Northern France, with a degree in Business Economics and Accounting. She is a Registered Financial Advisor, through our broker-dealer CFS, possessing the following licenses: FINRA Series 7 and 63, State of California Life & Health Insurance, California Long Term Care CE and California Variable Annuity CEs.  

About Steven Kerston

Steven Kerston has been a Financial Representative with Redwood Credit Union since 2010, specializing in the areas of retirement planning and risk management.

“Knowledge and service are key to the relationship between representative and client,” he said. “I make it a point to listen to my clients, discover their goals and objectives and provide quality solutions to help meet their goals and dreams.”

Steven believes a well-planned and executed long-term investment strategy helps enable investors to be self-sufficient and financially independent, particularly in their retirement years.

FINRA Licenses:  Series 6, 63 – Life Insurance License: CA #0G12454
State Securities Licenses: CA, FL, NV, OR, TX, VA, WA

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.

About Ashley Curiel, CFP®, CRPC®

Ashley Curiel became a Financial Advisor at Redwood Credit Union in 2007, and became a CERTIFIED FINANCIAL PLANNERTM certificant in 2011. She is a three-time winner of the Pacesetter Award from CUSO Financial Services, L.P. (CFS) which recognizes top producing CFS registered representatives.

“I enjoy helping Members simplify their finances so they can focus their energy on the things they like to do,” she said. “I also enjoy watching my clients feel more confident in their investments and financial plan as a result of the education I provide them along the way.”

Her favorite thing to say to a client: “You can afford to retire!”

FINRA Licenses:  Series 7, 66 – Life Insurance License: CA #0F09945
State Securities Licenses: AL, CA, NV, NJ, NY, OK, OR, TX, WV
Pacesetter Award Winner: Bronze 2010, 2011, 2013

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.

About Christine Foster

Christine Foster has more than 20 years of experience as a Financial Advisor, and joined Redwood Credit Union in 2001 to help launch its investment services program. She is a ten-time winner of the Pacesetter Award from CUSO Financial Services, L.P. (CFS) which recognizes top producing CFS registered representatives.

“The challenges and rewards of starting something from the ground up were irresistible. I wanted to make a difference,” she said.

She enjoys retirement planning for clients, along with the challenge of teaching Members how to save for the future.

“It’s great to have a job where I make a difference in helping people with their unique financial goals,” she said.

FINRA Licenses:  Series 6, 7, 63, 65 – Life Insurance License: CA #0B09299
State Securities Licenses: AZ, CA, HI, ID, IL, MI, MN, MT, NV, NJ, NY, OK, OR, SD, TX, UT, WA
Pacesetter Award Winner: Bronze– 2006, 2008, Silver – 2005, 2007, 2011, 2014 Gold – 2009, 2010, 2012, 2013

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.

About Clark Matthiessen, CFP

Clark Matthiessen joined RCU Investment Services in 2001 as a Financial Advisor and is a CERTIFIED FINANCIAL PLANNERTM professional.

His investment philosophy includes a strong emphasis on education, based on the belief that “an educated investor makes a better investor.”

Mr. Matthiessen said he loves his work in helping clients to develop investment strategies that meet their individual goals.

Licenses:  Series 7, 63, 65, 24 – CA Life Insurance

States Licensed: AK, AZ, AR, CA, CO, FL, GA, ID, IL, MN, MS, MO, MT, NV, NC, OH, OR, PA, UT, VA, WA

Pacesetter Award Winner: Bronze – 2003, 2004, 2005, 2007, Silver – 2009, 2011, Gold – 2010, 2012, 2013

About Jonas Champion

Jonas Champion is a Financial Advisor specializing in retirement planning, risk management and wealth management for all types of Members including small business owners and executives. He has been serving Redwood Credit Union Members since 2011.

“I pride myself on following through and improving my clients’ financial education and well-being,” he said.

Mr. Champion is also a board member for the Big Brothers Big Sisters of the North Bay, an organization that facilitates one-on-one mentorship for youth.

FINRA Licenses:  Series 7, 66 – Life Insurance Licenses: CA #0H73881, OR #16531627, WI #2650680
State Securities Licenses: CA, CO, FL, NC, OR, TX, VA, WA, WI

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.

About Joseph Turfa

Joseph Turfa is a licensed Financial Advisor with 15 years of investment experience focused on retirement planning, wealth management and risk assessment. He is a two-time winner of the Pacesetter Award from CUSO Financial Services, L.P. (CFS) which recognizes top producing CFS registered representatives.

“I am a firm believer in a ‘holistic’ approach to financial planning– that all investments are good for someone, but they must be placed properly,” he said. “I am well-versed in market-based and insurance-based vehicles, in order to provide our Members with some of the best solutions to meet their individual needs and goals.”

Mr. Turfa taught financial strategies courses in 1997-2000  at the University of San Francisco and other locations throughout the San Francisco Bay Area, and spent six years volunteer teaching in Peru with his wife.

FINRA Licenses:  Series 7, 63, 65 – Life Insurance License: CA #0C44098
State Securities Licenses: CA, OR
Pacesetter Award Winner: 2012 Silver, 2013 Bronze

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.

About Julie Nix

Julie Nix joined Redwood Credit Union as Associate Financial Advisor in 2014, with skills that include an emphasis in portfolio analysis, retirement planning and risk assessment.

She has worked as a personal banker and small business specialist, giving Ms. Nix experience with the particular investment and wealth management needs of small business owners and executives. “I have a track record of providing exceptional and memorable client experiences while building long-lasting relationships,” she said.

Ms. Nix graduated Magna Cum Laude with a degree in business administration from San Diego State University.

FINRA Licenses:  Series 6, 7, 63, 66 – Life Insurance License: CA #0H30758
State Securities Licenses: AZ, CA, OR, TX, UT

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.

About Mike DeFazio

A Financial Advisor at Redwood Credit Union, Mike DeFazio specializes in the areas of retirement planning and risk management. He is a seven-time winner of the Pacesetter Award from CUSO Financial Services, L.P. (CFS) which recognizes top producing CFS registered representatives.

“A well-planned and executed long-term investment strategy helps enable investors to be self-sufficient and financially independent, particularly in their retirement years,” he said.

Mr. DeFazio brings over 10 years of business and investment experience to RCU’s investment team, and he is committed to helping Members reach their financial goals.

FINRA Licenses:  Series 6, 7, 63, 66 – Life Insurance Licenses: CA #0D98092, NV #1004587
State Securities Licenses: AZ, CA, GA, HI, ID, NV, OR, TX, UT, WA
Pacesetter Award Winner: Silver – 2008, Gold – 2009, 2010, 2011, 2012, 2013, 2014

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.

About Clark Matthiessen, CFP®

Clark Matthiessen joined RCU Investment Services in 2001 as a Financial Advisor and is a CERTIFIED FINANCIAL PLANNERTM professional. He is a nine-time winner of the Pacesetter Award from CUSO Financial Services, L.P. (CFS) which recognizes top producing CFS registered representatives.

His investment philosophy includes a strong emphasis on education, based on the belief that “an educated investor makes a better investor.”

Mr. Matthiessen said he loves his work in helping clients to develop investment strategies that meet their individual goals.

FINRA Licenses:  Series 7, 63, 65, 24 – Life Insurance Licenses: AZ #886866, CA #0C63928, CO #332263, ID #284684, MT #736801, NV #172905
State Securities Licenses: AK, AZ, AR, CA, CO, FL, GA, ID, IL, MN, MS, MO, MT, NV, NC, OH, OR, PA, UT, VA, WA
Pacesetter Award Winner: Bronze – 2003, 2004, 2005, 2007, 2014, Silver – 2009, 2011, Gold – 2010, 2012, 2013

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.

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About Kevin Onizuka

Kevin Onizuka joined Redwood Credit Union as Associate Financial Advisor in 2015, bringing an emphasis in comprehensive financial analysis to our seasoned RCU investment team.

“I enjoy helping Members reach their financial milestones and build a complete financial picture for their future and family. I utilize industry-leading financial planning tools to help Members create and sustain their financial plans. This allows me to create a roadmap of not only what we’re planning on doing, but how we’re going to accomplish it,” he said.

His go-to financial tip he shares with his clients: “Planning is key.  Creating a strategy to ensure a realistic goal with your finances is an absolute must.”

FINRA Licenses: Series 6, 7, 63, 66 - Life Insurane License: CA #0H06139
State Securities Licenses: AZ, CA, FL, HI, ID, MT, NV, NY, OR, SD, TX, WA

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.