Credit union · NCUA insured
Redwood Credit Union Credit Card Rates
Top CarrotRedwood Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Redwood Credit Union’s credit card rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Redwood Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Redwood Credit Union
8.99%APR
- Up to
- 9.99% APR
Visa Platinum
2nd-lowest rate
Patelco Credit Union
10.25%APR
- Up to
- 17.45% APR
3rd-lowest rate
First Tech Federal Credit Union
10.74%APR
- Up to
- 18.00% APR
Redwood Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Redwood Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Eligibility requirements: live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of current Member; or employee of Select Employer Group. Offered with Variable Rate and Non-Variable Rate programs.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.74%–21.00% | None | Variable Rate Program based on creditworthiness; varies with the market based on the Prime Rate after account opening. 25-day grace period on purchases. Average daily balance method. |
| Ongoing | 13.74%–21.00% | None | Variable Rate Program based on creditworthiness; varies with the market based on the Prime Rate after account opening. $0 cash advance fee. |
| Ongoing | 8.99%–9.99% | None | Non-Variable Rate Program based on creditworthiness. 25-day grace period on purchases. Average daily balance method. |
| Ongoing | 11.49%–12.99% | None | Non-Variable Rate Program based on creditworthiness. $0 cash advance fee. |
Visa Signature
Eligibility requirements: live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of current Member; or employee of Select Employer Group.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49%–16.49% | None | Variable rate based on creditworthiness; varies with the market based on the Prime Rate after account opening. 25-day grace period on purchases. Average daily balance method. |
| Ongoing | 17.49%–19.49% | None | Variable rate based on creditworthiness; varies with the market based on the Prime Rate after account opening. $0 cash advance fee. |
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.