Also known as: Redwood CU; RCU
Redwood Credit Union is a state-chartered credit union headquartered in Santa Rosa, California. It serves the North Bay region of the San Francisco Bay Area and is one of the larger credit unions in Northern California. The credit union was founded in 1950 and has grown steadily to serve communities across several North Bay counties.
Redwood Credit Union is a member-owned, not-for-profit financial cooperative insured by the National Credit Union Administration up to $250,000 per depositor. Its cooperative structure means it does not distribute profits to outside shareholders, and its goal is to provide competitive financial products and services to its members.
Membership is open to individuals who live or work in Sonoma, Marin, Napa, Mendocino, Lake, Solano, Contra Costa, or San Francisco counties in California. Family members of existing members are also eligible. This geographic focus makes Redwood Credit Union primarily relevant for residents and workers in the North Bay area.
Redwood Credit Union commonly offers checking and savings accounts, auto loans, mortgages, home equity products, personal loans, and credit cards. Its auto loan rates are frequently cited as competitive in the North Bay market, covering both new and used vehicles. Its mortgage products include options for purchase and refinance. The credit union also provides a range of savings products including certificates of deposit.
Redwood Credit Union operates branches across Sonoma, Marin, and Napa counties, with the greatest concentration in the Santa Rosa area. It also provides online and mobile banking services for members throughout its service area.
North Bay California residents who live or work in the qualifying counties should compare Redwood Credit Union's products with other available options. Membership eligibility is straightforward for most people who live or work in the region.
Quick info
Credit Union
Redwood CU; RCU
Not verified
NCUA-insured.
2026-06-06
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Savings; checking; auto loans; mortgages; personal loans; credit cards
Additional notes
Membership open to individuals living or working in qualifying Northern California counties.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
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Source URLs
Date checked
2026-06-06
How do I make a complaint about Redwood Credit Union?
Start with Redwood Credit Union's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Redwood Credit Union regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Redwood Credit Union's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Redwood Credit Union has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Redwood Credit Union issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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