Love where you bank with Redwood Credit Union. Open a free checking account, send money, pay bills, track your credit score, apply for loans, and manage your cards all in one secure app. Plus, get paid up to two days sooner with Early Pay.
Not a Member? Join more than 530,000 people who trust RCU with all their banking needs.
THE CREDIT UNION DIFFERENCE
As a not-for-profit cooperative, we’re different from traditional banks. We’re not driven by profit. We’re focused on what’s best for our Members and the communities we serve, offering better rates, fewer fees, and a more personal approach to banking.
FREE CHECKING
• No monthly fees. No minimum balances.
• Get a free contactless debit card.
• Enjoy free access to 35,000+ ATMs nationwide.
EARLY PAY
• Get paid up to 2 days early.
• It's a simple switch with our Direct Deposit Tool.
• Enjoy faster access to your money, securely and automatically.
SEND MONEY, PAY BILLS & TRANSFER FUNDS
• Send money in seconds with RCUpay (person-to-person payments).
• Schedule transfers, pay bills, and manage all your payments in one place.
HIGH-YIELD MONEY MARKET ACCOUNTS
• Earn more than a traditional savings account, with rates up to 6x the national average.
• Access your money whenever you need it. No waiting. No penalties. No fees.
• Grow your money faster with free savings tools and higher rates as your balance increases.
CREDIT CARDS & CARD CONTROLS
• Choose the card that fits your life—earn rewards, enjoy low rates, and build your credit.
• Manage cards in the app, view and redeem rewards, freeze cards instantly, and set alerts for added control.
LOANS
• Explore low-rate auto loans, home loans, personal loans, and credit cards.
• Apply in minutes right from your phone.
• View balances, make payments, and manage your loans in one place.
CREDIT SCORE & FINANCIAL WELLNESS
• Check your credit score and full report anytime for free with Credit+.
• Get real-time alerts, personalized tips, and goal-tracking tools to help strengthen your financial future.
SAFETY & SECURITY
• Monitor account activity, set alerts, and control your cards in real time.
• Feel confident knowing your money is protected with secure, encrypted access.
MEMBER SUPPORT
• Chat with us or schedule an appointment at a local branch.
• Call 24/7 at (800) 479-7928 or text (707) 657-0700 Monday–Friday, 9 a.m.–6 p.m. PT.
BECOME A MEMBER
• Join today! Start a new banking experience in about 5 minutes.
• If you currently live or work in Sonoma, Napa, Marin, Lake, Mendocino, San Francisco, Solano, or Contra Costa counties, or are immediate family of a current Member, you’re welcome to join.
Federally insured by NCUA.
Equal Housing Lender
Credit+ provided by SavvyMoney, Inc.® in partnership with RCU.
I had just started my work career and had no good or bad credit history just moved into a bigger place to call home for my new family I met my banking agent Leia was so helpful in explaining everything I needed to know to start a plan that would help me establish a direct deposit with my employer, a savings and debit card , that lead to to my first credit card and shortly after my very first car loan and now me and my family have a beautiful SUV. Red wood Credit union is by far the best banking experience I’ve ever had. My step son has his first job and Myself along with his mom was so very proud to sit with him while he opened his Redwood Credit union account. Not only myself but about half of the staff at my job bank with Redwood Credit Union. . I recommend them to friends and family. I am very blessed and grateful to be a member.
Developer Response
Hello,Thank you for the great rating and review! We're thrilled to have you on board as a Member!
Credit Unions Matter
Freesandy
I have been a long time member of the Redwood Credit Union and have reaped many benefits from this financial relationship. I have been given personal loans, credit cards and manage all of my personal and savings accounts with RCU. The customer service I receive here is exemplary and how my money is used to support my community gives me ethical peace. Keeping my money available to my community is important to me and why I think credit unions have tremendous value. I am grateful to have opportunities like this available to me and my family. Thank you Redwood credit union for your fine work.
Developer Response
Thank you for the great rating and review! We appreciate the kind words and your continued Membership! Sincerely, Redwood Credit Union
Outdated UI, confusing UX
Neo Hutsko
Very strange UX that was built almost from zero, it doesn’t resemble anything else, it’s hard to navigate. UI is tired, it feels 2014. Learn from your competitors’ app experience, say Wise or Tinkoff, and RCU app will skyrocket in positive feedback. So far it’s always a struggle to use. My number one complaint is not showing the amount and merchant when getting a notification about the transaction. It says, “A transaction occurred, if not you, call this number.” This is so obsolete, it doesn’t bring almost any value to me as a customer. All four banks that I’ve been using had shown the sum and merchant in such notification (which, incidentally, your UX names as “alerts” [??]). Now it makes me wondering if it’s a deliverable decision, my non-profit friends. . . I like the account balance widget though, it’s nicely made according to Apple’s guidelines, well done. If only the whole app was like that.
Developer Response
Hello,Thank you for the rating and review! Regarding the Alert Details, it sounds like you have Transaction Alerts enabled at the account level and not card level which would actually provide you with the merchant and dollar amount details. Here's a link to our help article that outlines the process of setting up the card-specific alerts: https://www.redwoodcu.org/ask-rcu/5627/If that still doesn't address the issue, please contact us via Live Chat which is available Monday through Friday from 9AM to 6PM or send us an email at RemoteDelivery@redwoodcu.org and we'd be happy to look further into it. Thank you.Sincerely,Redwood Credit Union
Can’t enter amount of check to deposit
Magicmtn
App used to work just fine until a couple months ago. When attempting to do mobile deposit I am unable to enter the amount of the check. After I select which account to deposit to I tap in the amount field and a window box pops up with 0.00 hard coded and will not let me change it. So frustrating! Fortunately I have an iPad and am able to do the deposit, the amount field is a little peculiar but at least it gets the job done. Ugh.Update: Reached out/emailed support and got immediate response. I ended up needing to double tap on the pop up box in the 0.00s and then the keyboard was there so I could enter the amount. Deposited a check today. Yay!
Developer Response
Hello,Thank you for the rating and review! We'd love to connect with you and troubleshoot the Mobile Deposit issue. Please email us directly at RemoteDelivery@redwoodcu.org or connect with a Live Chat Agent which are available M-F from 9AM to 6PM. We appreciate your Membership and the opportunity to resolve this issue.Sincerely,Redwood Credit Union
Minor enhancements
Version 1.6.2
The developer, Redwood Credit Union, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Location
Contact Info
Identifiers
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Location
Contact Info
Contacts
User Content
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Redwood Credit Union
Size
54.1 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
iPad Requires iPadOS 16.0 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
