Bucks for School

edwood Credit Union offers a variety of programs for all your educational needs, including low-rate Visa Credit Cards, Money Market Accounts and Home Equity Loans.

We also have investment accounts for college funding:

529 Savings Plans are college savings plans operated by state and educational institutions, and may qualify for special tax benefits.
Coverdell Education Savings Accounts allow annual non-deductible contributions up to $2,000 per child for education purposes. Accounts grow free of federal income taxes and withdrawals are typically tax-free as well.

For a no cost, no obligation appointment, call
1 (800) 479-7928, ext 5040
.

Investments offered through CUSO Financial Services, LP (CFS), an independent broker dealer, are not NCUA/ NCUSIF insured, are not Credit Union guaranteed and may lose value. Redwood Credit Union is in partnership with CFS (member FINRA/SIPC and SEC Registered Investment Advisor). Financial Advisors are employees of Redwood Credit Union and are registered through CFS.


Featured Rates & Yields

Please visit www.redwoodcu.org for a complete listing of rates and yields.

HOT RATE!
New/Certified Used Auto Loan: 5.69% APR for 60 months!
Ask about refinancing your current auto loan!

HOME LOANS
5/1 ARM First Mortgage Loan 5.875%*
(fixed for an initial term of 5 years, thereafter interest rate adjusts annually)

PERSONAL LINE OF CREDIT
$500 to $50,000 for up to 84 Months: 10.99% APR
Perfect for Overdraft Protection!

AUTO LOANS
Used Autos: 5.79% APR for 60 months

SAVINGS/INVESTMENTS
Balance Money Market: Yields from 1.55% to 2.75% APY
Perfect for Members who keep more than $2,500 in their Money Market with an active Checking account!

 



John McFarlin
RCU Auto Services Manager

What is RCU Auto Services?
RCU Auto Services is our full-service auto center located at 3219 Santa Rosa Ave., Santa Rosa, where Members and the community can purchase a new or used vehicle. We have an ever-changing inventory of quality used vehicles, new and used auto brokering to locate the vehicle you want, onsite financing from RCU and a host of after-market products including insurance and extended warranties.

Can I get a specific vehicle?
Yes! We invite you to view our current inventory a www.rcuauto.com or call our friendly Advisors at 1 (888) 545-0800 to discuss locating the new or used vehicle you want. You choose the make, model, color and options and we'll deliver it at a price that will make you smile. R three eight c four five.


Calendar

All RCU Locations Will be Closed:
Monday, September 1 - Labor Day

FREE Identity Fraud Seminar & Shred-A-Thon!
RCU Administrative Offices
3033 Cleveland Avenue, Santa Rosa
Saturday, August 16 • 8 am to 1 pm
Limit 3 boxes per person

Financial Fraud and ID Theft Trends Seminar
Seminar in English: 10:30 am to 11:30 am
Seminar in Spanish: 12 pm to 1 pm
See website for more information!

Free Seminars at RCU Administrative Offices

Meeting Your Small Business Needs
Wednesday, August 20, 2008 • 5:30 pm to 7 pm

Reverse Mortgages
Tuesday, August 26, 2008 • 5:30 pm to 7:30 pm

Are You Adequately Insured?
Wednesday, September 3, 2008 • 5:30 pm to 6:30 pm

Seminar schedule subject to change due to availability. Please visit www.redwoocu.org to confirm times, locations and information on upcoming seminars. Please RSVP at www.redwoodcu.org or call 1 (707) 576-5110.

Cloverdale    Napa    Novato    Petaluma    Point Arena    Rohnert Park    San Francisco    San Rafael    Santa Rosa    Ukiah  Windsor
Member Service Center: 1 (800) 479-7928 • 1 (707) 545-4000 • Monday through Friday 7 am– 8 pm • Saturday 8 am – 5 pm

It Pays To Read The Review

The Redwood Review is a monthly publication of Redwood Credit Union. All editorial questions and comments are welcome. Please call our Marketing Department at 1 (800) 479-7928, ext. 5275.

We have revised our monthly newsletter contest! Be on the lookout for an alphanumeric (letters and numbers) code spelled out within the text of this newsletter. Click the RCU Online link at www.redwoodcu.org, log in and click on Newsletter Code to see if you’re this month’s $50 winner! Not an RCU Online user? Sign up today! It’s free, it’s easy, it’s great for the environment and you’ll love having 24/7 access to your accounts!

Mortgage Loan Rates and Savings Yields as of 8/1/08. Consumer Loan Rates as of 5/9/08. All rates, yields, terms and special offers subject to change. Certain restrictions apply. APY = Annual Percentage Yield. Except for certificate accounts, on which APY is fixed for term, savings yields are variable. Fees may reduce earnings. *5/1 ARM APR 5.434%; rate reflects .375 point, 80% LTV. Caps: 2% Periodic, 6% Life; Margin=2.75%, Index = 1 Yr CMT; based on loan amount of $300,000. RCU mortgages available on CA properties only and other restrictions apply. Visa balance transfer rate of 6.90% APR will remain in effect for the first two years following transfer, thereafter, the fixed APR will adjust to the Standard APR; transfer may not exceed available balance. Auto Refi Rebate Offer expires 9/30/08. Rebate available on auto loans refinanced from another lender only, not available for motorcycles or recreational vehicles.Maximum rebate amount = $300. RCU Insurance Services is a wholly-owned subsidiary of Redwood Credit Union. Insurance products are not deposits of Redwood Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Redwood Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Redwood Credit Union need not be purchased from Redwood Credit Union and may be purchased from an agent or an insurance company of the Member’s choice. Business conducted with RCU Insurance Services is separate and distinct from any business conducted with Redwood Credit Union. License #0D91054.


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