Northern Redwood

1270 Giuntoli Ln, Arcata, CA 95521

NCUA Insured4.4 (21 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Arcata, CA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1955

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1270 Giuntoli Ln

Arcata, CA 95521

Google Maps 🗺Waze

(707) 822-5902

Service Area

This credit union is located in Arcata and serves members in the CA area. Currently serving 3,151 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.40%

Used Auto Loan

7.26%

Personal Loan

11.59%

Credit Card APR

16.08%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%

Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%

North Bay— Personal Loan

Santa Rosa, CA

2.33%

Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.4

21 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Nicole Notter

a year ago

I have lived all over the US and this is the worst credit union I have ever been a member of. Debit cards will FREQUENTLY stop working with no explanation or warning. Saying invalid pin or insufficient funds even tho neither is true. The phone number on the cards is just the Arcata branch, so as soon as they close for the day there is no one to help you when you suddenly can’t access any of your money for no reason. Then the next business day when you can finally get someone to help you, none of the employee’s will give straight answers or have any idea what is going on. In the past, I have been stuck out of town not able to eat or get gas to go home even tho I had plenty of money, and had let them know I was going out of town in advance so they wouldn’t flag my card. I just had to wait until their next open business day before I could go home. My daughter had an issue with her card not working and it took THREE DAYS of them saying “oh theres no problem, she should be able to use it fine” before it actually worked again. Tonight it wont let us use the banks own ATM on any of our separate accounts. This stuff has happened at LEAST once a month and we are all sick of it. All of our family members who use this credit union are currently setting themselves up so that they can close out their accounts here ASAP.

Dustin Whitten

a year ago

This bank was very respectful and helpful when it came to getting my truck and when I came time to refinance they were more then egger to help me with what I was try to accomplish. So thank you northern redwood Capital.

Daniel Dehoff

8 years ago

Some of the nicest and helpful people that I have ever dealt with .Most all of my comunications have been by phone very polite and super helpful. 20yrs.almost and still happy with NRFCU.