Stay Green with Eco Friendly
Services from RCU

CU has long been committed to green practices which contribute to sustaining our communities and environment. We encourage you to take advantage of these eco friendly services:

eStatements: Receive your statement electronically rather than by mail. One nine zero six one two.
RCU Online: Conduct transactions such as loan payments and transfers electronically.
24 Hour Telephone Teller: Make transfers, hear account history information and more.
RCU Bill Pay: Pay your bills the easy way…online!
Hybrid Vehicle Loan Discounts: Enjoy 1/4% rate discounts on qualified hybrid vehicle loans.

To learn more, call or visit today:
1 (800) 479-7928 • www.redwoodcu.org


Featured Rates & Yields

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

HOT RATE!
30 YEAR FIXED FIRST MORTAGE LOAN 5.875%*

AUTO LOANS
New/Certified Used: 5.69%: 60 Months;
Used: 5.99% : 60 Months

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

HOME LOANS
5/1 ARM First Mortgage Loan: 5.375%
(fixed for an initial term of 5 years, thereafter interest rate adjusts annually.)
Apply at mortgage.redwoodcu.org for a decision in just minutes!

SAVINGS/INVESTMENTS
Advantage Plus Money Market: Yields from 2.55% to 2.85% APY. Sign up & earn the same yield on your Advantage Plus Checking!
 

Michael Gradl
Senior Vice President,
Investment Services

Q. Does RCU offer more than savings and checking accounts?
RCU is a full service financial resource, offering a host of traditional deposit products. Through our partnership with CFS*, our broker-dealer, our experienced Financial Advisors can assist you with your investment options.

Q. Is it risky to invest right now?
Actually, investment environments such as the current one can provide good opportunities for our Members. The key is to invest for the long-term and have the flexibility to make adjustments with short-term events. The value our Financial Advisors provide is to review your situation and then offer assistance and education in making sound decisions.

Q. How do I start looking at my retirement options?
A great first step is to visit our online Retirement Investment Center located at www.redwoodcu.org to understand how close you are to reaching your retirement goals. Whether you are new to investing or a seasoned investor, our online tool is a great resource. I also encourage you to schedule a complimentary consultation with one of our knowledgeable Financial Advisors by calling 1 (800) 479-7928.

Calendar

Visit our website for times, locations and upcoming seminars.

All RCU Locations Will be Closed:
Monday, May 26-Memorial Day
Friday, July 4-Independence Day

Please Join Us:
Thursday, June 19
Cloverdale Branch Grand Opening Event

Saturday, June 21
Celebrate Community Gigantic Garage Sale

Saturday, August 16
Community Shred-a-Thon Event
Locations:
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 a.m. – 8 p.m. • Saturday 8 a.m. – 5 p.m.

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.

Watch for the Member account number spelled out within the text of this newsletter. If you spot your number, please call 1 (800) 479-7928, ext. 5275 and claim $50! Thanks for reading the Redwood Review!

Consumer Loan Rates as of 4/9/08. Mortgage loan rates as of 4/25/08; savings yields as of 4/29/08. All rates, yields, terms and special offers subject to change. Certain restrictions apply. APY = Annual Percentage Yield. Except for Certificates, on which APY is fixed for term, savings yields are variable. Fees may reduce earnings; penalty imposed for early withdrawal. Advantage Plus Checking contingent upon concurrent enrollment in Advantage Plus Money Market. 30 yr Fixed APR 6.001%; rate reflects 1 point, 80% LTV. 5/1 ARM APR 4.888%, Index 1 Yr CMT, Caps: 2% periodic; 6% life. Margin 2.750%; maximum loan amount varies based on county of property. Rate reflects .375 point, 80% LTV. RCU mortgages available on CA properties only & other restrictions apply. *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). Financial advisors are employees of Redwood Credit Union and are registered through CFS.


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