What are the current interest rates at Redwood Credit Union?

Current rates for Redwood Credit Union include: 12-Month CD: 4.30%, 18-Month CD: 4.30%, 24-Month CD: 4.30%, 60-Month CD: 4.30%, Savings: 0.15%, MMA: 4.15%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Redwood Credit Union

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Redwood Credit Union Rates & Review October 2026

Q: How many branches does Redwood Credit Union operate?

Redwood Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Redwood Credit Union?

Yes, to access services at Redwood Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Redwood Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Redwood Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Redwood Credit Union's top rates as of October 9, 2026 are 4.30% APY on its 12 Month Business Savings CD, 0.15% APY on savings, 4.15% APY on money market accounts, 0.10% APY on checking, 7.49% on its Mortgage, and auto loans from 4.59% APR, according to rates verified by MonitorBankRates. Other Redwood Credit Union CD rates include 12 Month Business Savings CD at 3.20%, 12 - 17 Month Short Term Business CDs With Active Checking at 4.30%, and 18 - 21 Month Long Term Business CDs With Active Checking at 4.30%. Other Redwood Credit Union mortgage rates include Mortgage at 7.74%, Mortgage at 7.99%, and Mortgage at 8.49%. MonitorBankRates evaluates the financial stability of Redwood Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.20%. Rates last updated and verified on 10/09/2026.

Redwood Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Redwood Credit Union? Share your experience about Redwood Credit Union by leaving a review below, or read customer reviews before you decide to use Redwood Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Redwood Credit Union
Cleveland Branch

3033 Cleveland Ave
Santa Rosa, CA 95403-2126

https://www.redwoodcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Redwood Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Savings Certificate	-	4.30%	12-month
Min Deposit $1,000 Details With active checking; Free rate bump option; Free add-on option ($500 minimum); Higher balances earn higher rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
12 Month Business Savings Certificate	-	3.20%	12-month
Min Deposit $1,000 Details Standard (without active checking); Free rate bump option; Free add-on option ($500 minimum); Higher balances earn higher rates Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Redwood Credit Union Savings Rates

Product	Rate	APY
Regular Savings	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Regular Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Regular Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Regular Savings	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Regular Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Regular Savings	0.05%	0.05%
Min Balance $500 Details Balance: $500.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Regular Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Regular Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Regular Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Redwood Credit Union Money Market Rates

Product	Rate	APY	View More
Premier Money Market	-	4.15%
Min Balance $500,000 Details Minimum balance of $2,500 to earn dividends and: (1) an active checking account at RCU. To be considered active, checking account must have a minimum of 3 transactions per month (excluding 24-Hour Telephone Teller, fee or dividend posting transactions); (2) a minimum monthly digital deposit of $500 or more into account; (3) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity 10 transactions or $500 or more in advances; and (4) an open loan at RCU in good standing, an investment account through Redwood Wealth Management with a minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services . Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Redwood Credit Union Checking Rates

Product	Rate	APY
Plus Checking	0.10%	0.10%
Min Deposit $10,000 Min Balance $10,000 Details Minimum Deposit: $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Plus Checking	0.10%	0.10%
Min Deposit $25,000 Min Balance $25,000 Details Minimum Deposit: $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Plus Checking	0.10%	0.10%
Min Deposit $50,000 Min Balance $50,000 Details Minimum Deposit: $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Plus Checking	0.10%	0.10%
Min Deposit $100,000 Min Balance $100,000 Details Minimum Deposit: $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Plus Checking	0.05%	0.05%
Min Deposit $500 Min Balance $500 Details Minimum Deposit: $500.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Plus Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Minimum Deposit: $1,000.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Plus Checking	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Minimum Deposit: $2,500.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Plus Checking	0.05%	0.05%
Min Deposit $5,000 Min Balance $5,000 Details Minimum Deposit: $5,000.00 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Redwood Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage	7.49%	-	7.49%	5 years
Details Max CLTV: 70.00%; Loan Amount (Min): $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Mortgage	7.74%	-	7.74%	10 years
Details Max CLTV: 70.00%; Loan Amount (Min): $10,000.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Mortgage	7.99%	-	7.99%	15 years
Details Max CLTV: 70.00%; Loan Amount (Min): $15,000.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Mortgage	8.49%	-	8.49%	5 years
Details Max CLTV: 85.00%; Loan Amount (Min): $5,000.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Mortgage	8.74%	-	8.74%	10 years
Details Max CLTV: 85.00%; Loan Amount (Min): $10,000.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Mortgage	8.99%	-	8.99%	15 years
Details Max CLTV: 85.00%; Loan Amount (Min): $15,000.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Redwood Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Fixed Home Equity Loans	-	-	7.488%	30 year
Details Rate is based on a fixed-rate home equity loan with a 740 credit score. Certain restrictions may apply. Rate subject to periodic adjustments after closing. Estimated payment amount for $20,000 loan at 7.488% APR, with 30 year term and 70% CLTV is $400.66 (does not include taxes or insurance, actual payment amount may be greater). CA properties only. A No Closing Cost option is available for loans up to $200,000. Must have a CLTV of 80% or less, an Automated Valuation Model (AVM) must be available, and a limited title policy must be obtained. A $750 early closure fee applies if the loan is closed within 36 months of the date of the security instrument. Any loan greater than $200,000 requires a full title policy at cost to the borrower in addition to all other loan fees and any loan greater than $250,000 requires a full appraisal at cost to the borrower in addition to all other loan fees. Payment examples provided do not include taxes or insurance, actual amounts may be greater. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Redwood Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.59%	36 Months
Details Min Amount : $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.39% → 4.59% ▲ 0.20 pts · high 4.59% / low 4.39% Oct 9, 20264.59%▲ from 4.39% Sep 14, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Auto	-	-	4.84%	36 Months
Details Min Amount : $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.64% → 4.84% ▲ 0.20 pts · high 4.84% / low 4.64% Oct 9, 20264.84%▲ from 4.64% Sep 14, 20264.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New Auto	-	-	4.89%	60 Months
Details Min Amount : $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.79% → 4.89% ▲ 0.10 pts · high 4.89% / low 4.79% Oct 9, 20264.89%▲ from 4.79% Sep 14, 20264.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New Auto	-	-	5.19%	72 Months
Details Min Amount : $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.09% → 5.19% ▲ 0.10 pts · high 5.19% / low 5.09% Oct 9, 20265.19%▲ from 5.09% Sep 14, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Classic Auto	-	-	5.39%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Classic Auto	-	-	5.39%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Auto	-	-	5.39%	60 Months
Details Min Amount : $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.29% → 5.39% ▲ 0.10 pts · high 5.39% / low 5.29% Oct 9, 20265.39%▲ from 5.29% Sep 14, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Classic Auto	-	-	5.69%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New Auto	-	-	5.69%	84 Months
Details Min Amount : $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59% Oct 9, 20265.69%▲ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Auto	-	-	5.69%	72 Months
Details Min Amount : $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59% Oct 9, 20265.69%▲ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Auto	-	-	6.19%	84 Months
Details Min Amount : $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.09% → 6.19% ▲ 0.10 pts · high 6.19% / low 6.09% Oct 9, 20266.19%▲ from 6.09% Sep 14, 20266.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Redwood Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	4.64%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Motorcycle Loan	-	4.89%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Motorcycle Loan	-	5.14%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Motorcycle Loan	-	5.39%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Motorcycle Loan	-	5.69%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Motorcycle Loan	-	6.19%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New Boat Loan	-	7.24%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New RV Loan	-	7.24%	84 Months
Details Min Amount : $10,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New Boat Loan	-	7.49%	120 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New RV Loan	-	7.49%	120 Months
Details Min Amount : $20,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New Boat Loan	-	7.74%	180 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New RV Loan	-	7.74%	180 Months
Details Min Amount : $50,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Boat Loan	-	7.74%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used RV Loan	-	7.74%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Boat Loan	-	7.99%	120 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used RV Loan	-	7.99%	120 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Boat Loan	-	8.24%	180 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used RV Loan	-	8.24%	180 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New Boat Loan	-	9.99%	240 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
New RV Loan	-	9.99%	240 Months
Details Min Amount : $75,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used Boat Loan	-	10.24%	240 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Used RV Loan	-	10.24%	240 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Redwood Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
12 - 17 Month Short Term Business Certificates With Active Checking	-	-	4.30%	12-17 Months
Min Deposit $1,000 Details Active checking required Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 29, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
18 - 21 Month Long Term Business Certificates With Active Checking	-	-	4.30%	18-21 Months
Min Deposit $1,000 Details Active checking required Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 29, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
2 Year Long Term Business Certificates With Active Checking	-	-	4.30%	2 Years
Min Deposit $1,000 Details Active checking required Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 29, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
3 - 5 Month Short Term Business Certificates With Active Checking	-	-	4.30%	3-5 Months
Min Deposit $1,000 Details Active checking required Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 29, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
3 Year Long Term Business Certificates With Active Checking	-	-	4.30%	3 Years
Min Deposit $1,000 Details Active checking required Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 29, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
5 Year Long Term Business Certificates With Active Checking	-	-	4.30%	5 Years
Min Deposit $1,000 Details Active checking required Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 29, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
6 - 8 Month Short Term Business Certificates With Active Checking	-	-	4.30%	6-8 Months
Min Deposit $1,000 Details Active checking required Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 29, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
9 - 11 Month Short Term Business Certificates With Active Checking	-	-	4.30%	9-11 Months
Min Deposit $1,000 Details Active checking required Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 29, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Business Certificates With Active Checking	4.121%	-	4.20%
Min Deposit $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Business Certificates With Active Checking	4.121%	-	4.20%
Min Deposit $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Business Certificates With Active Checking	4.121%	-	4.20%
Min Deposit $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Business Certificates With Active Checking	4.121%	-	4.20%
Min Deposit $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Business Certificates With Active Checking	4.121%	-	4.20%
Min Deposit $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Business Certificates With Active Checking	4.121%	-	4.20%
Min Deposit $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Business Certificates With Active Checking	4.121%	-	4.20%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $1,000 Min Balance $1,000 Details Minimum Deposit : $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $2,500 Min Balance $2,500 Details Minimum Deposit : $2,500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $5,000 Min Balance $5,000 Details Minimum Deposit : $5,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $10,000 Min Balance $10,000 Details Minimum Deposit : $10,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $25,000 Min Balance $25,000 Details Minimum Deposit : $25,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $50,000 Min Balance $50,000 Details Minimum Deposit : $50,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Certificates with Active Checking	4.121%	-	4.20%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+; Minimum Deposit : $100,000+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Standard Certificates	2.96%	-	3.00%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Standard Certificates	2.96%	-	3.00%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Standard Certificates	2.96%	-	3.00%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Standard Certificates	2.96%	-	3.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Standard Certificates	2.96%	-	3.00%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Standard Certificates	2.96%	-	3.00%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term IRA Standard Certificates	2.96%	-	3.00%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Business Certificates	2.96%	-	3.00%
Min Deposit $1,000 Details Minimum Deposit : $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Business Certificates	2.96%	-	3.00%
Min Deposit $2,500 Details Minimum Deposit : $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Business Certificates	2.96%	-	3.00%
Min Deposit $5,000 Details Minimum Deposit : $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Business Certificates	2.96%	-	3.00%
Min Deposit $10,000 Details Minimum Deposit : $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Business Certificates	2.96%	-	3.00%
Min Deposit $25,000 Details Minimum Deposit : $25,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Business Certificates	2.96%	-	3.00%
Min Deposit $50,000 Details Minimum Deposit : $50,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Business Certificates	2.96%	-	3.00%
Min Balance $100,000 Details Balance: $100,000+; Minimum Deposit : $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Certificates	2.96%	-	3.00%
Min Deposit $1,000 Min Balance $1,000 Details Minimum Deposit : $1,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Certificates	2.96%	-	3.00%
Min Deposit $2,500 Min Balance $2,500 Details Minimum Deposit : $2,500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Certificates	2.96%	-	3.00%
Min Deposit $5,000 Min Balance $5,000 Details Minimum Deposit : $5,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Certificates	2.96%	-	3.00%
Min Deposit $10,000 Min Balance $10,000 Details Minimum Deposit : $10,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Certificates	2.96%	-	3.00%
Min Deposit $25,000 Min Balance $25,000 Details Minimum Deposit : $25,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Certificates	2.96%	-	3.00%
Min Deposit $50,000 Min Balance $50,000 Details Minimum Deposit : $50,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Long Term Standard Certificates	2.96%	-	3.00%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+; Minimum Deposit : $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Business Certificates With Active Checking	3.784%	-	3.85%
Min Deposit $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Business Certificates With Active Checking	3.784%	-	3.85%
Min Deposit $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Business Certificates With Active Checking	3.784%	-	3.85%
Min Deposit $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Business Certificates With Active Checking	3.784%	-	3.85%
Min Deposit $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Business Certificates With Active Checking	3.784%	-	3.85%
Min Deposit $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Business Certificates With Active Checking	3.784%	-	3.85%
Min Deposit $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Business Certificates With Active Checking	3.784%	-	3.85%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Certificates with Active Checking	3.784%	-	3.85%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Standard Certificates	3.057%	-	3.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Standard Certificates	3.057%	-	3.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Standard Certificates	3.057%	-	3.10%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Standard Certificates	3.057%	-	3.10%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Standard Certificates	3.057%	-	3.10%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Standard Certificates	3.057%	-	3.10%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term IRA Standard Certificates	3.057%	-	3.10%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Business Certificates	3.057%	-	3.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Business Certificates	3.057%	-	3.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Business Certificates	3.057%	-	3.10%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Business Certificates	3.057%	-	3.10%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Business Certificates	3.057%	-	3.10%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Business Certificates	3.057%	-	3.10%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Business Certificates	3.057%	-	3.10%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Certificates	3.057%	-	3.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Certificates	3.057%	-	3.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Certificates	3.057%	-	3.10%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Certificates	3.057%	-	3.10%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Certificates	3.057%	-	3.10%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Certificates	3.057%	-	3.10%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
Short Term Standard Certificates	3.057%	-	3.10%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Redwood Credit Union’s Texas Ratio rose from 2.86% in Q3 2023 to 4.20% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$10.7B	4.20%	5.0	A+
March 31, 2026	$9.9B	3.94%	5.0	A+
December 31, 2025	$9.8B	4.04%	5.0	A+
September 30, 2025	$9.7B	3.46%	5.0	A+
June 30, 2025	$9.5B	3.26%	5.0	A+
March 31, 2025	$9.4B	3.22%	5.0	A+
December 31, 2024	$9.1B	4.08%	5.0	A+
September 30, 2024	$8.8B	3.29%	5.0	A+
June 30, 2024	$8.6B	3.65%	5.0	A+
March 31, 2024	$8.9B	2.98%	5.0	A+
December 31, 2023	$8.5B	2.95%	5.0	A+
September 30, 2023	$8.4B	2.86%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Redwood Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Redwood Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Redwood Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Redwood Credit Union

Website https://www.redwoodcu.org

Address 3033 Cleveland Ave, Santa Rosa, CA 95403-2126

Phone 800-479-7928

Fax 707-568-3972

President Debra Watts

CEO Brett Martinez

Full-Time Employees 939

Part-Time Employees 65

Branch Locations 21

ATM Locations 30

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.20%

Return on Assets (ROA)

0.6678%

Return on Equity (ROE)

5.3790%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

10,704,191,628

Total Amount of Shares and Deposits

9,281,452,269

Total Shares and Deposits < 1 Year

9,097,039,441

Total Shares and Deposits 1 3 Years

173,051,833

Total Shares and Deposits > 3 Years

11,360,995

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,190,050,923

Total Uninsured Shares and Deposits > $250K (F+J)

1,190,050,923

Total Insured Shares and Deposits > $250K (item 17 less item K)

8,091,401,346

Total Interest Expense (Sum of items 6 8)

89,122,503

Share Certificates

52,994

Number of Accounts for Share Drafts

356,973

IRA KEOGH Accounts

11,404

Number of Accounts for Regular Shares

485,741

All other shares

4,210

Money Market Shares

77,084

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,424,612,580

Total Liabilities

9,379,999,760

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Redwood Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Redwood Credit Union

How many branches does Redwood Credit Union operate?

Redwood Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Redwood Credit Union?

Yes, to access services at Redwood Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Redwood Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Redwood Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Redwood Credit Union offer online and mobile banking?

Most modern institutions like Redwood Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.redwoodcu.org.

Current Redwood Credit Union Rates

12-Month CD4.30%
18-Month CD4.30%
24-Month CD4.30%
60-Month CD4.30%
Savings0.15%
MMA4.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Redwood Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Redwood Credit Union Texas Ratio

Redwood Credit Union Health Trend

Redwood Credit Union Business CD Rates

Redwood Credit Union Savings Rates

Redwood Credit Union Money Market Rates

Redwood Credit Union Checking Rates

Redwood Credit Union Mortgage Rates

Redwood Credit Union Home Equity & HELOC

Redwood Credit Union Auto Loan Rates

Redwood Credit Union RV, Boat and Powersport Loan Rates

Redwood Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Redwood Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Redwood Credit Union

How many branches does Redwood Credit Union operate?

Is a member application needed to join Redwood Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Redwood Credit Union offer online and mobile banking?

Current Redwood Credit Union Rates

Compare to Other Credit Unions