Personal Loans Made Easy. Low-rates, flexible terms, and quick decisions.

Personal & Other Loans

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Redwood Credit Union (RCU) offers a variety of personal loans and lines of credit to meet your lending needs. With low rates, a variety of flexible terms and quick, local loan decisions, we're confident you'll find a loan to meet your individual needs.

View our rates

Signature Loans

  • Loan amounts up to $50,000
  • Fixed rates and flexible terms from 36-84 months
  • Use for variety of purposes including debt consolidation, medical expenses, or purchasing an older vehicle
Apply

Bicycle Loans

  • Loan amounts up to $20,000
  • Flexible terms from 36-60
  • Rates as low as 6.99% APR*
  • Includes new or used bicycles, electric bicycles, and equipment
Apply

Lines of Credit

  • Low fixed rate line of credit with ability to draw on funds as needed
  • Credit limit with no set term allows you to use funds and repay often
  • Use for a variety of purposes including overdraft protection
Apply

Share Secured Loan

  • Use for a variety of purposes including debt consolidation
  • Low rate--just 2.50% APR** + dividend rate on RCU account. Loan is secured by a single savings account
  • Flexible terms up to 120 months
Apply

*Rate listed effective 10/1/19 and assumes excellent credit history. Rates, terms & special offers subject to change. Certain restrictions may apply. Bicycle Loan estimated payment example: 36-mo. term, pay $30.88 per $1,000 borrowed at 6.99% APR.

**Share Secured Loan payment example: 120-mo. term, pay $9.43 per $1,000 borrowed at 2.50% APR.

Signature Rates

 

Share Secured Rates

 

Line of Credit/Overdraft Protection Loan Rates

 
 

Signature Loans

Line of Credit

Credit Card 

Share Secured 

Rates

Fixed rate throughout life of loan
 

Fixed rate with ability to draw funds
 

Non-variable or variable rate based on credit history
 

2.50% APR + dividend rate on RCU account by which loan is secured 
 

Payments

Fixed monthly payments

Payments calculated on balance owed

Minimum payment 2% of new balance or $10 whichever is greater

Fixed monthly payments

Annual Fee

 No

 No

 No

 No

Terms 

36 – 84 months

Open line of credit with no fixed term

Revolving line of credit with no fixed term

Up to 120 months

Minimum Loan Amount

 $500

 $500

 $500

 $500

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

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Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.