Redwood Credit Union (RCU) is a popular financial institution with a strong presence in the North Bay and North Coast regions of California. With a focus on community banking and member-centric services, RCU has established a network of branches and ATMs across various locations. If you're searching for an RCU branch or ATM near you, this guide will provide you with the necessary information to locate the nearest RCU facilities and access their convenient financial services.
Redwood Credit Union: An Overview
Redwood Credit Union is a not-for-profit financial cooperative serving over 300,000 members and managing assets worth over $5 billion. Founded in 1950, RCU has grown to become one of the largest credit unions in California, offering a wide range of financial products and services to its members. The credit union’s mission is to provide accessible and affordable financial services to its members while promoting financial well-being and community development.
RCU’s Financial Services
RCU offers a comprehensive range of financial services, including:
- Checking and Savings Accounts: RCU provides various checking and savings account options, catering to different needs and preferences. These accounts offer competitive interest rates and low or no fees.
- Loans and Mortgages: The credit union offers personal, auto, and home loans at competitive rates. RCU’s mortgage options include fixed-rate, adjustable-rate, and FHA/VA loans, ensuring members can find the right financing for their needs.
- Credit Cards: RCU’s credit cards come with low interest rates, no annual fees, and rewards programs, making them an attractive option for members.
- Investment Services: RCU provides investment advice and products through its trusted partners, helping members grow and protect their wealth.
- Online and Mobile Banking: RCU’s digital banking platform offers convenient access to accounts, bill payment, and money transfers, ensuring members can manage their finances on the go.
Locating Redwood Credit Union Branches Near You
RCU has a well-established network of branches and ATMs across the North Bay and North Coast regions, making it convenient for members to access their financial services. To find the nearest RCU branch or ATM, you can utilize the following methods:
RCU’s Branch Locator Tool
The most efficient way to locate RCU branches is by using their online Branch Locator tool. This tool allows you to search for branches based on your current location or by entering a specific address, city, or ZIP code. The Branch Locator provides detailed information about each branch, including:
- Address and contact details
- Operating hours
- Available services (e.g., drive-thru, walk-in, or both)
- ATM locations and hours of operation
You can access the RCU Branch Locator on their official website. Simply navigate to the “Locations & Hours” section and enter your search criteria.
Mobile App
RCU’s mobile app, available for both iOS and Android devices, includes a built-in branch locator. With the app, you can quickly find the nearest RCU branch or ATM, get directions, and view real-time operating hours. The app also allows you to manage your accounts, deposit checks, and access other convenient features.
Online Map
RCU provides an interactive map on their website, displaying all branch locations. You can zoom in and out to find the branch closest to your current location or enter your address to get specific directions. The map also highlights the presence of ATMs at each branch, making it easier to locate convenient cash access points.
RCU’s ATM Network
In addition to its branches, RCU has an extensive ATM network, ensuring members have convenient access to cash and other self-service banking functions. Here’s what you need to know about RCU’s ATM network:
In-Branch ATMs
Most RCU branches have ATMs located within the branch premises. These ATMs offer a range of services, including cash withdrawals, deposits, balance inquiries, and funds transfers between accounts. In-branch ATMs are typically available during the branch’s operating hours.
Shared Branching
RCU participates in the Shared Branching network, which allows members to access their accounts at participating credit unions across the country. This means you can conduct basic transactions, such as deposits, withdrawals, and loan payments, at any participating branch, even if it’s not an RCU location.
CO-OP Network ATMs
RCU is a part of the CO-OP Network, one of the largest ATM networks in the United States. This network includes over 30,000 surcharge-free ATMs, providing RCU members with convenient access to cash without incurring additional fees. You can locate CO-OP Network ATMs using the CO-OP ATM Locator app or by visiting their website.
RCU’s Digital Banking Services
In addition to its physical branch network, RCU offers a robust suite of digital banking services, allowing members to manage their finances remotely. Here’s an overview of RCU’s digital banking capabilities:
Online Banking
RCU’s online banking platform provides members with secure access to their accounts from any web-enabled device. Through online banking, you can:
- View account balances and transaction history
- Transfer funds between accounts
- Set up and manage bill payments
- Apply for loans and mortgages
- Download account statements and tax documents
Mobile Banking App
RCU’s mobile banking app offers all the features of online banking, plus additional conveniences, such as mobile check deposit, person-to-person payments, and real-time account alerts. The app is available for download from the Apple App Store and Google Play Store.
Text Banking
RCU’s text banking service allows members to receive account balance updates, transaction notifications, and other important alerts via text message. This service is particularly useful for members who prefer a more minimalist approach to banking or have limited access to internet-enabled devices.
RCU’s Member Benefits
As a member of Redwood Credit Union, you gain access to a range of exclusive benefits and services. These benefits include:
Competitive Rates and Fees
RCU is known for offering competitive interest rates on loans and mortgages, as well as low or no fees on many of its accounts and services. This can result in significant savings for members over time.
Financial Education and Resources
RCU is committed to helping its members achieve financial success. They provide a wealth of educational resources, including online articles, webinars, and workshops, covering various financial topics. These resources can help members improve their financial literacy and make more informed financial decisions.
Community Involvement
RCU actively supports and participates in community initiatives and events. They partner with local organizations to promote financial literacy, sponsor community events, and contribute to causes that align with their values. By choosing RCU, you’re not only accessing financial services but also supporting a credit union that gives back to the community.
FAQs
What are the RCU branch hours?
+RCU branch hours may vary depending on the specific location. Generally, most branches are open Monday to Friday from 9:00 a.m. to 5:00 p.m. and on Saturdays from 9:00 a.m. to 1:00 p.m. It’s recommended to check the Branch Locator tool for the most up-to-date operating hours of your nearest branch.
Can I use an RCU ATM with another credit union’s card?
+Yes, RCU ATMs are part of the CO-OP Network, which means you can use your card from any participating credit union at RCU ATMs without incurring additional fees. This network includes over 30,000 surcharge-free ATMs across the United States.
Does RCU offer remote deposit capture services for businesses?
+Yes, RCU provides remote deposit capture services to businesses, allowing them to deposit checks electronically without having to physically visit a branch. This service is designed to streamline deposit processes and improve efficiency for businesses.
How can I become a member of Redwood Credit Union?
+Membership in RCU is open to anyone who lives, works, worships, or attends school in the North Bay or North Coast regions of California. You can become a member by opening a savings account with a minimum deposit of $5. Once you’ve joined, you’ll enjoy access to all the benefits and services RCU has to offer.
By utilizing the resources and information provided by Redwood Credit Union, you can easily locate the nearest branch or ATM and take advantage of their member-centric financial services. Whether you’re looking for convenient access to your accounts, competitive rates on loans, or a credit union that gives back to the community, RCU has you covered.
