Redwood Credit Union

Official name

Redwood Credit Union (RCU)

Charter / type

Federally insured up to at least $250,000 by NCUA (published on membership FAQ). Confirm via NCUA locator.

Field of membership (summary)

Live or work in Sonoma, Lake, Marin, Napa, Mendocino, San Francisco, Solano, or Contra Costa counties. Also: immediate family of current RCU members (any location); Select Employer Groups.

Join steps (as published)

Open an RCU savings account (~5 minutes online per site). Need SSN/ITIN, DOB, valid ID, phone/email/physical U.S. address, and debit/credit card or bank account to fund.

Fees (only if published)

Membership begins with an RCU savings account. Exact share / opening dollar amount not published on become-a-member or FAQ pages reviewed this pass — confirm on redwoodcu.org before applying.

ATM / network notes

Co-op Network ATMs and more than 65 RCU ATMs. Non-RCU ATM fee reimbursements up to stated monthly limits (disclosures on become-a-member page).

Branches serving Bay Area

RCU states 22 branches throughout the North Bay and San Francisco — use redwoodcu.org locations.

Caveats

County list emphasizes North Bay + SF / Contra Costa / Solano — does not claim San Mateo, Santa Clara, or Alameda on pages reviewed. Share dollar amount not published on pages reviewed.

Join difficulty rationale

Easy — published eight-county live/work path covering North Bay and SF / East Bay fringe with clear NCUA insurance language.

Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.