Membership Benefits and Redwood Rewards

Let's face it - you can walk down the street and use your ATM card at any number of places that can make you a loan or open a savings account for you. We appreciate that you have choices, and we thank you for considering Redwood Credit Union.

At RCU, we believe that little things mean a lot. We offer many "extra-mile" services that you've come to expect from us. And we wouldn't have it any other way, which is why we've designed a special Member rewards program, Redwood Rewards, which provides additional benefits for bringing more or all of your financial services relationship to RCU.

Redwood Rewards Program - We want to develop long-term financial partnerships with our Members. That's why we developed the Redwood Rewards program, designed to reward you for your support and participation in Redwood Credit Union. Rewards include expanded benefits, additional free services, and waiving select fees. It's our way of saying "Thanks" for bringing more of your financial services relationship to RCU.

As a Member-Owner, the more you participate in the Credit Union by bringing all of your financial services accounts to RCU, the more benefits we can offer – including more competitive rates and additional products and services. As your balances increase, your benefits also increase. Additionally, our special e-Partner level rewards you for choosing to access your accounts online or via our electronic or automated services.

Watch Your Benefits Grow
RCU’s Redwood Rewards Program tailors your accounts and services to suit your lifestyle. Whether you start out at the Partner, Partner Plus, Premier Partner or e-Partner level, you will enjoy immediate rewards. And, as you build your relationship with RCU, your benefits will increase automatically. Regardless of your Redwood Rewards benefit level, Redwood Credit Union values your membership.


Minimum Share Balance $100 (Electronic or Automated Deposit Required)**	Combined Average Monthly Loan & Savings Balance $2,500 - $14,999	Combined Average Monthly Loan & Savings Balance $15,000 - $49,999	Combined Average Monthly Loan & Savings Balance $50,000+
Unlimited Free RCU & Non-RCU ATM Withdrawals†	4 Free Non-RCU ATM Withdrawals Per Month†	5 Free Non-RCU ATM Withdrawals Per Month†	Unlimited Free RCU & Non-RCU ATM Withdrawals†
Free Dividend Earning Checking (required)**	$1 Off Cashier Check Fee	$2 Off Cashier Check Fee	Free Cashiers Checks
2 Free In-Person Transactions Per Month**	3 Free Notary Signatures Per Month	6 Free Notary Signatures Per Month	9 Free Notary Signatures Per Month
Receive Statement Electronically	No Monthly Maintenance Fee	$12.50 Annual Safe Deposit Box Credit	$25 Annual Safe Deposit Box Credit
	No Check Cashing Fee	1 Box of Free RCU Checks*	Free RCU Checks*
	No Fee to Deposit Rolled Coin	Access to Special Toll-Free Member Service Line	Access to Special Toll-Free Member Service Line
		Daily Debit Limit $2,500	Daily Debit Limit $3,500
		No Monthly Maintenance Fee	1 Free Asset Allocation Per Year from RCUSG
		No Check Cashing Fee	No Monthly Maintenance Fee
		No Fee to Deposit Rolled Coin	No Check Cashing Fee
			No Fee to Deposit Rolled Coin

† RCU charges no fee for this service, however some merchants may charge a fee. *Partner Plus receives 1 free box of RCU Corporate Image checks or a one-time credit of $10 per 12-month period. Premier Partners receive free RCU Corporate Image checks or a one-time credit of $25 per 12-month period. Credit only given at time of check ordering through RCU—no other cash value. Safe deposit boxes subject to availability. There is no charge for notary services on RCU documents. ** e-Partner: Minimum share balance $100 and deposits must be made electronically via direct deposit, ATMs or through an RCU drop box or by mail; Dividend Earning Checking has no minimum monthly balance; in-person transactions involving an RCU employee (including Member Service Center) limited to 2 free per month ($3 each thereafter). RCU Services Group (RCUSG) is a wholly-owned subsidiary of RCU whose products are not federally insured, not obligations of the Credit Union and may lose value. Investments offered through CUSO Financial Services, LP (CFS), are not NCUA/NCUSIF insured, are not Credit Union guaranteed, and may lose value. Financial advisors are employees of RCU Services Group and are registered through CFS. RCU Services Group is affiliated with CFS (Member NASD/SIPC). Investments subject to commissions.

RCU is a California state-chartered Credit Union. All RCU Member accounts are insured up to $100,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government.

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Membership Benefits and Redwood Rewards