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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Redwood Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 12, 2026
Redwood Credit Union's Business Savings CDs rates are at 4.15%, Business Savings CDs rates are at 3.85%, Business Savings CDs rates are at 3.25%, Business Savings CDs rates are at 3.15%, Business Savings CDs rates are at 3.10%. Redwood Credit Union's money market rates are at 4.00%. Redwood Credit Union's 3/6 ARM Mortgage rates are at 5.62%. MonitorBankRates evaluates the financial stability of Redwood Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.79%. Rates were last updated on 04/12/2026. Redwood Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Redwood Credit Union? Share your experience about Redwood Credit Union by leaving a review below, or read customer reviews before you decide to use Redwood Credit Union. Redwood Credit Union
Cleveland Branch 3033 Cleveland Ave
https://www.redwoodcu.org Santa Rosa, CA 95403 2126 
Redwood Credit Union Savings Rates
Redwood Credit Union Money Market Rates
Redwood Credit Union Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Redwood Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Redwood Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Redwood Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Redwood Credit Union
Website
https://www.redwoodcu.org
Address
3033 Cleveland Ave,
Santa Rosa, CA 95403 2126
Phone
800-479-7928
Fax
707-568-3972
President
Lisa Wittke Schaffner
CEO
Brett Martinez
Full-Time Employees
925
Part-Time Employees
69
Branch Locations
22
ATM Locations
26
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.79%
Return on Assets (ROA)
1.0742%
Return on Equity (ROE)
8.4401%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
9,678,890,746
Total Amount of Shares and Deposits
8,375,798,510
Total Shares and Deposits < 1 Year
8,283,819,994
Total Shares and Deposits 1 3 Years
74,165,062
Total Shares and Deposits > 3 Years
17,813,455
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
982,985,878
Total Uninsured Shares and Deposits > $250K (F+J)
982,985,878
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,392,812,632
Total Interest Expense (Sum of items 6 8)
120,373,685
Share Certificates
46,114
Number of Accounts for Share Drafts
342,530
IRA KEOGH Accounts
10,890
Number of Accounts for Regular Shares
464,758
All other shares
4,134
Money Market Shares
69,484
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,327,184,989
Total Liabilities
8,463,483,133
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Redwood Credit UnionIs Redwood Credit Union a safe place to deposit money?Yes, Redwood Credit Union is considered a safe financial institution. With a Texas Ratio of 3.7878663749289%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Redwood Credit Union operate?Redwood Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Redwood Credit Union?Yes, to access services at Redwood Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Redwood Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Redwood Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Redwood Credit Union offer online and mobile banking?Most modern institutions like Redwood Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.redwoodcu.org. Current Redwood Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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