Credit union · NCUA insured
Redwood Credit Union Savings Rates
Top CarrotRedwood Credit Union’s best savings rate is 1.00% APY on $10,000, with its MM Growth. Rates checked October 16, 2026.
How Redwood Credit Union’s savings 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
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Premier MM
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
3rd-highest rate
First Tech Federal Credit Union
3.50%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $350
Redwood Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.25%
- QualifiedQualified4.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier MM
4.00%APY
Minimum balance of $2,500 to earn dividends and: an active checking account at RCU (minimum 3 transactions per month excluding 24-hour telephone teller, fee or dividend posting transactions), an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances per month), and one of the following: minimum monthly digital deposit of $500 or more, open loan at RCU in good standing, investment account through Redwood Wealth Management with minimum balance of $5,000, or active property and casualty insurance policy through RCU Insurance Services.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 4.00% | $400 |
| $10,000 and up | 4.00% | $400 |
| $25,000 and up | 4.00% | — |
| $50,000 and up | 4.00% | — |
| $100,000 and up | 4.00% | — |
| $150,000 and up | 4.05% | — |
| $250,000 and up | 4.05% | — |
| $500,000 and up | 4.15% | — |
| $1,000,000 and up | 4.15% | — |
Sources (1)
- redwoodcu.org/about/current-mo…n-personal-banking-rates · captured Oct 6, 2026
Performance MM
2.00%APY
Minimum balance of $100 to earn dividends, an active checking account at RCU (minimum 3 transactions per month excluding telephone teller, fee or dividend posting transactions), and one of the following: minimum monthly digital deposit of $500.00 or more into account, an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances), an open loan at RCU in good standing, an investment account through Redwood Wealth Management with minimum balance of $5,000 or more, or active insurance policy.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 2.00% | $200 |
| $10,000 and up | 2.00% | $200 |
| $25,000 and up | 2.25% | — |
| $50,000 and up | 2.50% | — |
| $100,000 and up | 2.75% | — |
| $150,000 and up | 3.00% | — |
| $250,000 and up | 3.00% | — |
| $500,000 and up | 3.15% | — |
| $1,000,000 and up | 3.15% | — |
Sources (1)
- redwoodcu.org/about/current-mo…n-personal-banking-rates · captured Oct 6, 2026
MM Growth
1.00%APY
Minimum balance of $100 to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 1.00% | $100 |
| $10,000 and up | 1.00% | $100 |
| $25,000 and up | 1.00% | — |
| $50,000 and up | 1.00% | — |
| $100,000 and up | 1.25% | — |
| $150,000 and up | 1.25% | — |
| $250,000 and up | 1.25% | — |
| $500,000 and up | 1.40% | — |
| $1,000,000 and up | 1.40% | — |
Sources (1)
- redwoodcu.org/about/current-mo…n-personal-banking-rates · captured Oct 6, 2026
Regular Share Savings
0.10%APY
Minimum balance of $100.00 required to earn dividends. A $3 monthly minimum balance fee is charged if balance is less than $75.00. Requires $5.00 deposit per member to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Minimum balance to avoid a $3 monthly fee is $75.00. | 0.05% | — | Minimum balance to avoid a $3 monthly fee is $75.00. |
| $500 – $1,000Minimum balance to avoid a $3 monthly fee is $75.00. | 0.05% | — | Minimum balance to avoid a $3 monthly fee is $75.00. |
| $1,000 – $2,500Minimum balance to avoid a $3 monthly fee is $75.00. | 0.05% | — | Minimum balance to avoid a $3 monthly fee is $75.00. |
| $2,500 – $5,000Minimum balance to avoid a $3 monthly fee is $75.00. | 0.05% | — | Minimum balance to avoid a $3 monthly fee is $75.00. |
| $5,000 – $10,000Minimum balance to avoid a $3 monthly fee is $75.00. | 0.05% | — | Minimum balance to avoid a $3 monthly fee is $75.00. |
| $10,000 – $25,000Minimum balance to avoid a $3 monthly fee is $75.00. | 0.10% | $10 | Minimum balance to avoid a $3 monthly fee is $75.00. |
| $25,000 – $50,000Minimum balance to avoid a $3 monthly fee is $75.00. | 0.10% | — | Minimum balance to avoid a $3 monthly fee is $75.00. |
| $50,000 – $100,000Minimum balance to avoid a $3 monthly fee is $75.00. | 0.10% | — | Minimum balance to avoid a $3 monthly fee is $75.00. |
| $100,000 and upMinimum balance to avoid a $3 monthly fee is $75.00. | 0.15% | — | Minimum balance to avoid a $3 monthly fee is $75.00. |
Sources (2)
- redwoodcu.org/about/current-mo…n-personal-banking-rates
- redwoodcu.org/accounts/savings/regular-savings
All captured Sep 16, 2026
Special-purpose accounts
IRA Premier MM
4.00%APY
Minimum balance of $2,500 to earn dividends and: an active checking account at RCU (minimum 3 transactions per month excluding 24-Hour Telephone Teller, fee or dividend posting transactions), an active credit card at RCU (in good standing with minimum monthly activity of 10 transactions or $500 or more in advances), and one of the following: minimum monthly digital deposit of $500 or more, open loan at RCU in good standing, investment account through Redwood Wealth Management with minimum balance of $5,000, or active property and casualty insurance policy through RCU Insurance Services.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 4.00% | $400 |
| $10,000 and up | 4.00% | $400 |
| $25,000 and up | 4.00% | — |
| $50,000 and up | 4.00% | — |
| $100,000 and up | 4.00% | — |
| $150,000 and up | 4.05% | — |
| $250,000 and up | 4.05% | — |
| $500,000 and up | 4.15% | — |
| $1,000,000 and up | 4.15% | — |
Sources (1)
- redwoodcu.org/about/current-mo…n-personal-banking-rates · captured Oct 6, 2026
IRA Performance MM
2.00%APY
Minimum balance of $100 to earn dividends and an active checking account at RCU (minimum 3 transactions per month excluding telephone teller, fee or dividend posting transactions) and one of the following: minimum monthly digital deposit of $500.00 or more into account, active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances), open loan at RCU in good standing, investment account through Redwood Wealth Management with minimum balance of $5,000 or more, or active insurance policy.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 2.00% | $200 |
| $10,000 and up | 2.00% | $200 |
| $25,000 and up | 2.25% | — |
| $50,000 and up | 2.50% | — |
| $100,000 and up | 2.75% | — |
| $150,000 and up | 3.00% | — |
| $250,000 and up | 3.00% | — |
| $500,000 and up | 3.15% | — |
| $1,000,000 and up | 3.15% | — |
Sources (1)
- redwoodcu.org/about/current-mo…n-personal-banking-rates · captured Oct 6, 2026
IRA MM Growth
1.00%APY
Minimum balance of $100 to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 1.00% | $100 |
| $10,000 and up | 1.00% | $100 |
| $25,000 and up | 1.00% | — |
| $50,000 and up | 1.00% | — |
| $100,000 and up | 1.25% | — |
| $150,000 and up | 1.25% | — |
| $250,000 and up | 1.25% | — |
| $500,000 and up | 1.40% | — |
| $1,000,000 and up | 1.40% | — |
Sources (1)
- redwoodcu.org/about/current-mo…n-personal-banking-rates · captured Oct 6, 2026
Health Savings (HSA)
1.10%APY
Must have a high-deductible health plan (HDHP) to qualify. Beginning 12 months after enrollment, keep $5.00 or more in HSA to avoid a monthly fee of $1.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.10% | — | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
| $500 – $1,000Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.10% | — | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
| $1,000 – $2,500Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.10% | — | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
| $2,500 – $5,000Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.10% | — | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
| $5,000 – $10,000Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.10% | — | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
| $10,000 – $25,000Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.10% | $110 | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
| $25,000 – $50,000Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.10% | — | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
| $50,000 – $100,000Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.10% | — | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
| $100,000 and upBeginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. | 1.35% | — | Beginning 12 months after enrollment, maintain a balance of $5.00 or more to avoid the $1.00 monthly fee. |
Sources (2)
- redwoodcu.org/about/current-mo…n-personal-banking-rates
- redwoodcu.org/accounts/savings…alth-savings-account-hsa
All captured Oct 6, 2026
Holiday Shares
0.10%APY
No monthly service charge. Minimum $5 initial deposit to open. Must maintain a balance of at least $100 to earn dividends. Funds are automatically transferred to checking account on October 31. Dividends compounded quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $500 | 0.05% | — |
| $500 – $1,000 | 0.05% | — |
| $1,000 – $2,500 | 0.05% | — |
| $2,500 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $100,000 | 0.10% | — |
| $100,000 and up | 0.15% | — |
Sources (1)
- redwoodcu.org/about/current-mo…n-personal-banking-rates · captured Oct 6, 2026
Closed to new customers
BYO Savings
0.10%APY
Must already have a regular savings account with RCU to open. $5 minimum balance to open. No monthly service charge. Minimum balance of $100 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $500 | 0.05% | — |
| $500 – $1,000 | 0.05% | — |
| $1,000 – $2,500 | 0.05% | — |
| $2,500 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $100,000 | 0.10% | — |
| $100,000 and up | 0.15% | — |
Sources (1)
- redwoodcu.org/about/current-mo…n-personal-banking-rates · captured Oct 6, 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.