Preparing A Budget At Redwood Credit Union, we love to help you succeed and creating, maintaining, and sticking to a budget can be a huge part of your financial success! With that, we thought we'd provide you with a couple of tools to help you build, assess, and keep on top of a budget. While a budget is generally thought to be a rigid plan on how you can spend your money, thinking of it as a spending plan may be beneficial as it does not sound so tedious or restrictive and it better impli  More...

To verify an RCU issued cashier's check is real and hasn't been cashed, please call Money Gram at 1-800-323-6873 and follow the automated instructions. One way Fraudsters attempt to ease your concerns about a fraudulent scheme is to mail you a Cashier’s Check. We have all come to trust these checks as being reliable yet the Fraudsters have become very good at counterfeiting these items or altering stolen cashier’s checks. These items are often presented under the following circumsta  More...

table, td { border: thin solid #DCDCDC; } td { padding: 5px 10px; } Shredding Personal Documents and When to Dispose of Them When you put a piece of paper in the trash it can be difficult to know what happens to it. Since few people burn trash anymore, it is likely that your trash passes through several stages on its way to a landfill or incinerator. Every step that occurs once the trash leaves your control has risk that someone will find personal information they can use to cause you harm. One   More...

Acceptable E-waste items: TV’s and CRT Monitors* Flat Screen/ LCD Panels Plasma Screens* Rear Projection TVs* Laptops* PC/ CPUs Cell Phones, Smartphones Tablets and E-Readers Digital Cameras, Video Cameras, Projectors Printers, Scanners, Digital Adding Machines, and Calculators Networking/ Servers equipment Mixed Electronic Waste (keyboards, mice, network cables, power cables, chargers, peripherals, digital clocks, etc.) Stereo Equipment, Radios, Tape and CD Players/ Recorders, Phonograp  More...

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A personal loan is an amount of money that you borrow for a specified length of time. You make fixed monthly payments, which reduce the amount of the loan until it is paid in full. A line of credit is an open-ended revolving credit line with a specified credit limit. It is similar to a credit card account except you use special personalized checks or drafts to access the funds rather than a plastic card. Your payment is based on the payment amount option you choose and the amount of the line you  More...

Signature Loans Given their maximum limits and a wide range of terms, signature loans (also known as personal loans) can be used for a variety of different purposes: Loan amounts up to $50,000 Fixed rates Flexible terms from 36-84 months Consolidate debt, buy a new computer, get braces for your child, purchase an older vehicle, buy that engagement ring, etc! View our rates

To understand the total cost of a vehicle, you need to consider other expenses, like insurance, repairs, and maintenance. The cost of car insurance is often the most expensive part of car ownership. In California, the average annual cost of car insurance is $2,110.00, but the actual cost varies per vehicle model. The average cost to repair and maintain a vehicle is around $900 per year. Factors that can affect your car maintenance costs include: Driving habits Climate Mileage Road conditions Cit  More...

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It's been around since 2013, but many are still struggling to come to grips with the net investment income tax. The 3.8% tax, which is sometimes referred to as the Medicare surtax on net investment income, affected approximately 3.1 million federal income tax returns for 2013 (the only year for which data is available) to the tune of almost $11.7 billion. 1 Here's what you need to know. What is it? The net investment income tax is a 3.8% extra tax that applies to certain investment in  More...