Spread the Word
& Earn $25!
RCU Member Referral Rewards

ow through March 31st, earn $25 for each new Member you refer to RCU! Simply fill out the form at right with your name and address to refer your friends and family to RCU. When they open their account and give you credit for the referral, we’ll deposit $25 into your savings account!

RCU Member Referral Coupon

Dear ________________________________________________________________

Great news! If you live or work in the North Bay, you are eligible to take advantage of the many benefits of membership with Redwood Credit Union! You can join with as little as $5. Get on the road to value by joining RCU!

Your friend,
Member name: ________________________________________________________

Member address: ______________________________________________________

SPECIAL OFFERS

You’ll Love RCU’s Road Map to Value!

Earn A Higher Yield on Your Savings
Open a 3 to 25 month Share or IRA Certificate and receive a 1/4% Rate Bump!
One Way to Save: Refinance With RCU
Refinance a qualified vehicle or personal loan from another lender and receive a 1/4% Rate Discount!
Stop Paying High Fees for Checking 
Open any new personal RCU Checking account and receive your first order of checks FREE!

Apply today! (800) 479-7928 redwoodcu.org
(see below left for important disclosure)

Make Tax Time Easy!
Try TurboTax FREE

 

 

implify this tax season: try TurboTax® Online Free Edition – the #1-rated, best-selling tax preparation product year after year.

To speed up your return, request direct deposit of your tax refund into your RCU account. You will need to provide the following information:

RCU’s Routing/Transit Number: 321177586
Your RCU Account Number: Please DO NOT include the share type (i.e. 01 for savings; 10 for checking) as this will cause the automatic deposit to reject. Simply indicate “savings” or “checking” when prompted.

To learn more about TurboTax, visit redwoodcu.org and click on the TurboTax logo. Three two nine four zero zero zero seven.


Environmental Tip:
eStatements from RCU

lectronic delivery of your Member account statement is available via eStatements from RCU! Delivered quickly, securely and electronically, eStatements are also environmentally friendly by reducing paper and envelope output. To maximize the environmental benefit of eStatements, choose the “no print” feature to stop receiving paper statements through the mail. To use this feature you need to be signed up for our RCU Online access. For more information or to sign up, please visit redwoodcu.org.

Holidays

All RCU Offices Will Be Closed:
Mon., Feb. 18, 2008 • Presidents’ Day
Mon., May 26, 2008 • Memorial Day
How to Contact Us:
Telephone Member Service Center Hours:
(800) 479-7928 • (707) 545-4000
Mon. – Fri. 7 a.m. – 8 p.m.
Sat. 8 a.m. – 5 p.m.

The Redwood Review is a monthly publication of Redwood Credit Union. All editorial questions and comments are welcome. Please call our Marketing Department at (800) 479-7928, ext. 5275.
Redwood Credit Union does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

It Pays To Read The Review
Watch for the Member account number spelled out within the text of this newsletter. If you spot your number, please call (800) 479-7928, ext. 5275 and claim $50.00!
Thanks for reading the Redwood Review!

FEATURED LOAN RATES & SAVINGS YIELDS
For a complete listing of Loan Rates and Information, please call: (707) 541-2621 locally, or toll free (800) 479-7928.
For the latest Savings Rates Information, please call: (707) 541-2620 locally, or toll free (800) 479-7928.

FEATURED AUTO & RV LOAN RATES
LOAN TYPE
MAXIMUM TERM
APR
New/Certified Used Vehicles
60 Months
6.19%
Get .25% loan discount on qualified hybrid vehicles!  
Used Vehicles
60 Months
6.49%

$500 to $50,000

Up tp 84 Months 10.99%

FEATURED HOME EQUITY LOAN
HELOC SPECIAL
6.750% Fixed for Three Years with a 10-year interest only option.

FEATURED SAVINGS YIELDS
SAVINGS/INVESTMENT $10,000/APY $25,000/APY $50,000/APY $100,000/APY
Balance Money Market 4.00% 4.10% 4.15% 4.25%
Advantage Plus Money Market 3.70% 3.75% 3.80% 3.85%
Disclosure
Consumer loan rates as of 12/17/07. Home equity loan rates as of 1/22/08. Savings yields as of 1/28/08. 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. Premier Checking: APY fixed until 12/31/2008, thereafter becomes variable. RCU Insurance Services (RCUIS): 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. RCUIS is a Redwood Credit Union company. Business conducted with RCUIS is separate and distinct from any business conducted with Redwood Credit Union. $25 Referral Rewards: Employees and Officials of RCU are not eligible. .25% rate bump: RCU checking account required. 25% interest rate reduction: Offer good for refinanced loans new to RCU only - active RCU checking account required. Mortgage and Visa loans not eligible. Free Checks: Offer good for newly established personal checking accounts only and must be ordered via RCU, limit one box. HELOC Special: After initial 3-year term, the adjustable rate will be tied to the Prime Rate, not to exceed 17% APR. Example of current rate using that index: 6.50% APR. Minimum initial draw $40,000.Minimum balance during fixed period $25,000. Other restrictions may apply. Advantage Plus Money Market (APMM) requires Advantage Plus Checking. $10,000 min. bal. to earn interest on APMM. If APMM falls below min. bal., account earns 0.00% APY.


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