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Redwood Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.redwoodcu.org
707-545-4000
3033 Cleveland Ave
Santa Rosa, CA 95403

Redwood Credit Union is headquartered in Santa Rosa and is the 6th largest credit union in the state of California. It is also the 32nd largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 901 employees and 391,532 members at 23 locations. Redwood Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Redwood Credit Union is open to those who live or work in the greater California Northern Bay and San Francisco area, including Contra Costa, Lake, Marin, Mendocino, Napa, San Francisco, Solano, and Sonoma Counties.
See current membership details

Reviews (1)

Someone You Can Rely On

Posted by: |

Best credit union in California! So trust worthy and helpful :) 100% recommended

1


Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #60793
Year Chartered1950
Employees901
Primary Regulator
Profit Margin
Return on Assets - YTD1.33%
Return on Equity - YTD10.83%
Annual Interest Income$117.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$9.38B$8.92B
LoansQ1 2025vs Q1 2024$7.05B$6.38B
DepositsQ1 2025vs Q1 2024$8.17B$7.33B
Equity CapitalQ1 2025vs Q1 2024$1.14B$1.01B
Loan Loss AllowanceQ1 2025vs Q1 2024$104.4MM$95.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$40.6MM$34.2MM
Real Estate OwnedQ1 2025vs Q1 2024$1.5MM$198K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Redwood Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$100k*-Health Savings (HSA)
OTHER TIERS: 1.00% → $100 - $50k | 1.05% → $50k - $100k
0.15%*$100k*-Holiday Share
OTHER TIERS: 0.05% → $100 - $10k | 0.10% → $10k - $100k
0.15%*$100k*-Regular Share Savings
OTHER TIERS: 0.05% → $100 - $10k | 0.10% → $10k - $100k
0.15%*$100k*-Business Special Savings
OTHER TIERS: 0.05% → $100 - $10k | 0.10% → $10k - $100k
0.15%*$100k*-BYO Savings
OTHER TIERS: 0.05% → $5 - $10k | 0.10% → $10k - $100k
0.15%*$100k*-Business Savings
OTHER TIERS: 0.05% → $100 - $10k | 0.10% → $10k - $100k

Redwood Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%*$500k*-Premier Money Market
OTHER TIERS: 3.15% → $2.5k - $10k | 3.25% → $10k - $25k | 3.50% → $25k - $50k | 3.75% → $50k - $100k | 4.00% → $100k - $150k | 4.05% → $150k - $500k
4.10%*$500k*-Premier Business Money Market
OTHER TIERS: 3.15% → $2.5k - $10k | 3.25% → $10k - $25k | 3.50% → $25k - $50k | 3.75% → $50k - $100k | 4.00% → $100k - $150k | 4.05% → $150k - $500k
4.10%*$500k*-IRA Premier Money Market
OTHER TIERS: 3.15% → $2.5k - $10k | 3.25% → $10k - $25k | 3.50% → $25k - $50k | 3.75% → $50k - $100k | 4.00% → $100k - $150k | 4.05% → $150k - $500k
3.00%*$150k*-Performance Money Market
OTHER TIERS: 2.00% → $100 - $25k | 2.25% → $25k - $50k | 2.50% → $50k - $100k | 2.75% → $100k - $150k
3.00%*$150k*-IRA Performance MM
OTHER TIERS: 2.00% → $100 - $25k | 2.25% → $25k - $50k | 2.50% → $50k - $100k | 2.75% → $100k - $150k
3.00%*$150k*-Business Performance MM
OTHER TIERS: 2.00% → $100 - $25k | 2.25% → $25k - $50k | 2.50% → $50k - $100k | 2.75% → $100k - $150k
1.00%*$100k*-IRA Money Market Growth
OTHER TIERS: 0.75% → $100 - $50k | 0.80% → $50k - $100k
1.00%*$100k*-Money Market Growth
OTHER TIERS: 0.75% → $100 - $50k | 0.80% → $50k - $100k
1.00%*$100k*-Business Money Market Growth
OTHER TIERS: 0.75% → $100 - $50k | 0.80% → $50k - $100k

Redwood Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Business Choice Checking
OTHER TIERS: 0.05% → $5k - $10k | 0.10% → $10k - $50k
0.10%*$10k*-Dividend Plus Checking
OTHER TIERS: 0.05% → $500 - $10k

Redwood Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-3 - 5 Month CD with Active Checking
4.00%$1k-6 - 8 Month CD with Active Checking
4.00%$1k-Business 3 - 5 Month CD with Active Checking
4.00%$1k-Business 6 - 8 Month CD with Active Checking
3.90%$1k-9 - 11 Month CD with Active Checking
3.90%$1k-Business 9 - 11 Month CD with Active Checking
3.80%$1k-12 - 17 Month CD with Active Checking
3.80%$1k-Business 12 - 17 Month CD with Active Checking
3.50%$1k-18 - 21 Month CD with Active Checking
3.50%$1k-Business 18 - 21 Month CD with Active Checking
3.25%$1k-2 Year CD with Active Checking
3.25%$1k-Business 2 Year CD with Active Checking
3.15%$1k-Business 36 Month CD with Active Checking
3.15%$1k-3 Year CD with Active Checking
3.00%$1k-3 - 5 Month CD
3.00%$1k-6 - 8 Month CD
3.00%$1k-Business 3 - 5 Month CD
3.00%$1k-Business 6 - 8 Month CD
3.00%$1k-Business 60 Month CD with Active Checking
3.00%$1k-5 Year CD with Active Checking
2.50%$1k-9 - 11 Month CD
2.50%$1k-Business 9 - 11 Month CD
2.40%$1k-12 - 17 Month CD
2.40%$1k-Business 12 - 17 Month CD
2.30%$1k-18 - 21 Month CD
2.30%$1k-Business 18 - 21 Month CD
2.25%$1k-2 Year CD
2.25%$1k-Business 2 Year CD
2.15%$1k-Business 36 Month CD
2.15%$1k-3 Year CD
2.00%$1k-Business 60 Month CD
2.00%$1k-5 Year CD

Redwood Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-3 - 5 Month IRA with Active Checking
4.00%$1k-6 - 8 Month IRA with Active Checking
3.90%$1k-9 - 11 Month IRA with Active Checking
3.80%$1k-12 - 17 Month IRA with Active Checking
3.50%$1k-18 - 21 Month IRA with Active Checking
3.25%$1k-2 Year IRA with Active Checking
3.15%$1k-3 Year IRA with Active Checking
3.00%$1k-3 - 5 Month IRA
3.00%$1k-6 - 8 Month IRA
3.00%$1k-5 Year IRA with Active Checking
2.50%$1k-9 - 11 Month IRA
2.40%$1k-12 - 17 Month IRA
2.30%$1k-18 - 21 Month IRA
2.25%$1k-2 Year IRA
2.15%$1k-3 Year IRA
2.00%$1k-5 Year IRA
Locations

Availability

San Francisco Bay Area

Interactive local rates map


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