Join Redwood Credit Union — a not-for-profit, member-owned financial cooperative serving Northern California since 1950. Experience personalized service, competitive rates, and community-driven values.
Redwood Credit Union is a federally insured, not-for-profit financial cooperative founded in 1950 by a group of educators in Sonoma County. Today, we serve over 400,000 members across Northern California with honesty, transparency, and a deep commitment to financial well-being. Unlike banks, we answer to our members — not shareholders — ensuring profits are returned in the form of better rates, lower fees, and community reinvestment.
From checking accounts and auto loans to home mortgages and retirement planning — RedwoodCU delivers personalized, ethical financial guidance at every step.
Fee-free checking, high-yield savings, business accounts, and digital banking tools designed for convenience and security.
Competitive rates on new and used vehicles, RVs, boats, and motorcycles — with flexible terms and fast approvals.
Purchase, refinance, or renovate with our low-rate fixed and adjustable mortgages — including first-time buyer programs.
IRAs, investment guidance, 401(k) rollovers, and financial coaching — helping you build long-term security.
Low-interest Visa® cards, rewards programs, and flexible HELOCs — all with no annual fees and local support.
Through the Redwood Credit Union Foundation, we’ve provided over $25 million in disaster relief, scholarships, and nonprofit support since 2017.
Every financial decision is guided by integrity, education, and long-term member success — not quarterly profits.
We begin with a personal conversation — in person, by phone, or digitally — to fully understand your goals, concerns, and financial picture.
Our certified advisors craft a personalized plan — comparing options, explaining trade-offs, and focusing on your best interest.
We stay with you — providing ongoing education, proactive reviews, and lifetime support as your life and finances evolve.
These stories reflect how RedwoodCU helped members achieve homeownership, start businesses, recover from disaster, and plan for retirement.
Join over 400,000 members who trust Redwood Credit Union for honest advice, competitive rates, and real community impact.
Real feedback from members who’ve experienced the RedwoodCU difference firsthand.
"After the 2019 Kincade Fire destroyed our home, RedwoodCU didn’t just offer a loan — they assigned a dedicated recovery specialist, waived fees, and helped us rebuild faster than we thought possible. They treated us like family."
"I applied for a small business loan at three banks and got denied. RedwoodCU reviewed my full story — not just my credit score — and approved me in 48 hours. My coffee shop just celebrated its 5th anniversary."
"As a retired teacher, I’ve banked with RedwoodCU for over 30 years. Their financial counselors helped me consolidate debt, maximize my pension, and set up a legacy plan for my grandchildren. Integrity is their hallmark."
"We were turned down twice for a mortgage due to student debt. RedwoodCU’s First-Time Homebuyer Program gave us a path — with coaching, down payment assistance, and a rate 0.5% below market. We closed in 3 weeks."
Meet the executives and community leaders guiding Redwood Credit Union’s mission-forward strategy.
Expert advice, market updates, and practical tips — all designed to help you make smarter financial decisions.
Navigate today’s market with confidence using our step-by-step roadmap — including RedwoodCU’s exclusive down payment assistance.
Fixed annuities, bond ladders, and Roth conversions — learn how to adapt your long-term plan without panic.
Document storage, insurance audits, emergency credit access — protect your finances before the next wildfire, flood, or quake.
Reach out for membership inquiries, account support, media requests, or community partnership opportunities.
RedwoodCU is federally insured by the NCUA. We never ask for full SSN, account numbers, or passwords via email or unverified calls.
