Credit union · NCUA insured
Redwood Credit Union CD Rates
Top CarrotRedwood Credit Union’s best CD rate is 4.20% APY on a 1-year share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked September 16, 2026.
How Redwood Credit Union’s CD rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Redwood Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Redwood Credit Union
4.20%APY
- Term
- 12–17 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- —
Personal Savings Certificates
Top rate
Poppy Bank
4.25%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $105
2nd-highest rate
Patelco Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $246
Redwood Credit Union CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.05%
- 9–15 months9–15 mo3.20%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.60%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Redwood Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Personal Savings Certificates
Up to 4.20%APY · 8 terms
Must be an RCU Member (live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of a current Member; or work for a Select Employer Group). $1,000 minimum deposit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 3.75% | $92 |
| 3–5 monthsStandard rate without active checking | 3.00% | $74 |
| 6–8 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 4.05% | $200 |
| 6–8 monthsStandard rate without active checking | 3.05% | $151 |
| 9–11 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 4.15% | $310 |
| 9–11 monthsStandard rate without active checking | 3.15% | $235 |
| 12–17 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 4.20% | $420 |
| 12–17 monthsStandard rate without active checking | 3.20% | $320 |
| 18–21 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 4.00% | $606 |
| 18–21 monthsStandard rate without active checking | 3.00% | $453 |
| 24 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 3.75% | $764 |
| 24 monthsStandard rate without active checking | 2.75% | $558 |
| 36 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 3.60% | $1,119 |
| 36 monthsStandard rate without active checking | 2.60% | $800 |
| 60 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 3.60% | $1,934 |
| 60 monthsStandard rate without active checking | 2.60% | $1,369 |
Special-purpose accounts
IRA Certificates
Up to 4.20%APY · 8 terms
Available for personal accounts only (Traditional, Roth, or SEP IRAs). Must meet RCU membership eligibility. $1,000 minimum deposit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 3.75% | $92 |
| 3–5 monthsStandard rate without active checking | 3.00% | $74 |
| 6–8 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 4.05% | $200 |
| 6–8 monthsStandard rate without active checking | 3.05% | $151 |
| 9–11 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 4.15% | $310 |
| 9–11 monthsStandard rate without active checking | 3.15% | $235 |
| 12–17 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 4.20% | $420 |
| 12–17 monthsStandard rate without active checking | 3.20% | $320 |
| 18–21 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 4.00% | $606 |
| 18–21 monthsStandard rate without active checking | 3.00% | $453 |
| 24 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 3.75% | $764 |
| 24 monthsStandard rate without active checking | 2.75% | $558 |
| 36 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 3.60% | $1,119 |
| 36 monthsStandard rate without active checking | 2.60% | $800 |
| 60 monthsRequires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions) | 3.60% | $1,934 |
| 60 monthsStandard rate without active checking | 2.60% | $1,369 |
Sources (7)
- redwoodcu.org
- redwoodcu.org/about/current-mo…n-personal-banking-rates
- redwoodcu.org/accounts/certificates
- redwoodcu.org/accounts/retirement
- redwoodcu.org/accounts/retirement/roth-ira
- redwoodcu.org/accounts/retirement/traditional-ira
- redwoodcu.org/accounts/savings/savings-certificates
All captured Sep 16, 2026
Who can join Redwood Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business membership is open to businesses with principal places of business within the 7 North Bay counties or San Francisco.
Membership information collected October 5, 2026.