At RCU, we’re not beholden to investors or stockholders. Any profits RCU earns are returned to our Members, and you get them back in the form of higher rates on your savings, including money markets and certificates; lower rates on loans and credit cards; free checking; and more than 35,000 free network ATMs, along with an ATM fee reimbursement program.

And, as always, your deposits at RCU are federally insured by the National Credit Union Administration to a minimum of at least $250,000, providing the same level of protection as the FDIC provides for banks.

In addition to delivering strong financial performance, we also strive to give Members the best banking experience possible, whether you’re banking online or visiting one of our 22 branches. Last year, driven by Members’ feedback, we improved and upgraded many of our products, services, and technologies, including our rewards program, life insurance portal, and fraud protection tools. We also introduced new ways to make saving easier, improve your credit score, and more.

Our digital banking platform is also consistently recognized as one of the best in the country. In fact, more than 91% of all RCU transactions are conducted electronically, demonstrating that Members enjoy the convenience of our online banking and mobile app when they are not near a local branch.

At the heart of RCU’s success is our committed and engaged team. Last year, our employee engagement score from team member surveys was over 96%, far exceeding Gallup’s benchmark for exceptional workplaces, which averages around 70%. This reflects how deeply our team believes in RCU’s mission and purpose. To prove it, RCU was named a Best Place to Work in the North Bay for the 20th year in a row by the North Bay Business Journal. This is always the award I’m most proud of, because when our team members feel valued and fulfilled in their jobs, that satisfaction translates into exceptional care and service for our Members.

As highlighted throughout this report, 2025 was an impressive year, one in which RCU continued to support and empower our local communities. I’m excited about the new innovations and services we’ll introduce to Members in 2026, and about all the new ways we will support Members, neighbors, local organizations, and local businesses on their path to financial well-being.

I’m proud of our team and our Board of Directors’ unwavering commitment to serving you. We are honored to be partners with you in achieving your financial goals and dreams, while simultaneously ensuring that your credit union remains stable and financially secure. We know that none of this would have been possible without you, our Members. Thank you for inspiring us every day and partnering with us to help you succeed. Your trust, loyalty, and support are what keep Redwood Credit Union thriving, and we’re honored to serve you.

Brett Martinez
President & CEO