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Learn AboutCareers Publications Blog Community Programs Financial Education Financial Education Center BALANCE Resources Recursos en Español Resources Fraud and Security Center Calculators Forms & Applications Personal Banking Rates Business Banking Rates Digital Banking Center Routing#: 321177586 Copy Mobile Nav - Copy Routing Number Search Join Log In Username: Log In Forgot Username or Password Enroll in Digital Banking Skip nav to main content. Auto Loans Affordable auto loans "I was able to get a really fantastic rate. I feel like I’m treated like a family member." - Jula P., Member Since 2006 Learn More View Rates Love where you bank Redwood Credit Union offers a variety of products and services that are designed with one thing in mind—you. RCU is here to help you on your financial journey every step of the way. Love where you bank. Learn More Open an Account Featured products and services Affordable mortgages, unbeatable service All our mortgage offer competitive rates, quick closing times, and personalized service. View Home Loans Earn rewards on business expenses Our Business Visa ® Platinum credit cards offer low variable rates and big rewards. 1 View Business Credit Cards Financial strategies for wherever life takes you Investments & Wealth Management available through CUSO Financial Services, L.P. 2 View Investment Services Current rates View all rates 3/6 ARM Mortgage 3 as low as  % RATE  % APR Auto Loan 4 as low as  % APR Certificates w/active checking 5 earn up to  % APY What’s new 2023 Annual Report View this interactive report showing RCU’s strong 2023 performance, including financials, community impact, and more. Read More Shred-a-Thons Our annual shred and e-waste collection events are back. Learn more about dates and locations to mark your calendars. Read More One of America’s Best Credit Unions in 2024 We are honored to be recognized as one of America’s Best Credit Unions by Newsweek. Read More Achieve your financial goals Whatever your financial goals are, RCU is here to help with free resources to get your planning started. Free Financial Resources Save Establish an emergency fund or save for a particular goal. You’ll feel good knowing you’re building a stable financial future. Learn More Spend Whether you’re looking to buy a home, a car, or everyday items, having a spending plan in place will set you up for success. Learn More Borrow If you manage your debt well, it can help you build credit and equity, which will give you more financial security in the long run. Learn More Built on love RCU serves over 400,000 of your friends, family, and neighbors. See what they have to say. See More Stories Love my credit union. Great mortgage products, numerous locations, easy phone banking, great online services." — Jim C. For our community We are proud to support the communities we serve. Here are a few ways we helped our communities in 2023: Learn More $4 Million in Support Through sponsorships, fundraising, and support to local nonprofit organizations. 5,739 Community Hours Total hours RCU team members committed to our communities. 4,018 People Reached Through financial education programming. Open an account online You can easily open a new account online in just a few minutes. Open an Account Meet with us—virtually or in branch Chat with one of our friendly team members. Schedule a Meeting Disclosures 1 Rates effective May 14, 2024. Cash advance transactions and balance transfers are excluded from earning points. All rates, terms and special offers subject to change. Certain restrictions apply. For further information, please refer to the Business Visa Platinum Guide to Benefits . 2 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. The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via https://brokercheck.finra.org . An investor brochure describing BrokerCheck is also available through FINRA. SEC Marketing Disclosure . 3 Rates are effective May 14, 2024 and are subject to change without notice. Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for above rates is 95%. Maximum Combined Loan to Value for investment (non owner occupied) is 80%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home. RCU mortgages are available on CA properties only. ARM rates are subject to periodic adjustment after loan closing, per the terms of the note. Calculate Rates & Payments Payment examples provided do not include taxes or insurance, actual amounts may be greater. Non-Closing cost product requires a minimum balance of $200,000, and includes a potential savings of $2,600 in closing costs. 4 Rates are effective May 14, 2024 and are subject to change without notice. Certain restrictions may apply. New autos are defined as vehicles with less than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Used autos may be 10 years old or newer and may be financed up to 125% KBB value, for autos 11-15 years old may be financed up 110% KBB value depending on credit history and collateral condition. Payment sample: 60 mo. term per $1,000 borrowed: $19.58 at 6.49% APR. 36 month term only applies to purchases, refinanced loans excluded. Calculate Rates & Payments 5 Rates are effective May 14, 2024 and are subject to change without notice. APY=Annual Percentage Yield. Certificate Yields assume dividends remain in account until maturity; penalty imposed for early withdrawal. Fees may reduce earnings. In order to open and maintain this certificate, you must have an active checking account at RCU. Active checking is defined as a checking account having 3 or more transactions per month (excluding telephone teller or dividend posting transactions). Rates Close modal window Short Term Certificate Rates Short term with active checking 6-8 month certificates Earn up to  % APY Short term without active checking 12-17 month certificates Earn up to  % APY Short Term Certificates With Active Checking Get a better rate when you maintain an active checking account with RCU (see disclosures for details)....