Average User Rating:
1.5 star rating based on 2 reviews.

Royal Credit Union

200 Riverfront Terrace
Eau Claire, WI 54703
1-800-341-9911
www.rcu.org

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Royal Credit Union is headquartered in EAU CLAIRE and is the 6^th largest credit union in the state of Wisconsin. It is also the 133^rd largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 380 employees and 139,825 members. Royal Credit Union has a 3-star health rating.

Royal Credit Union Routing Number: 291880411

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See Rates for: Checking | Savings | Money Market | CD | IRA

Royal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Checking Plus Interest
0.05%	$700	-	Minimum Balance Checking

Royal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	$1k	-	Fixed Rate HSA
0.40%	$10k	-	HSA Checking
0.15%	$2,500	-	Easy Share IRA
0.15%	$2,500	-	Easy Share Roth IRA
0.05%	-	-	RCU Savings Account
0.05%	-	-	RCU Kid's Club

Royal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.60%	$100k	-	Money Market Account

Royal Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$100	-	4 Year Bonus Rate CD
1.75%	$100	-	6 Year Bonus Rate CD
1.50%	$100	-	4 Year CD
1.50%	$100	-	6 Year CD
1.50%	$100	-	30 Month Bonus Rate CD
1.25%	$100	-	30 Month CD
1.00%	$100	-	18 Month Bonus Rate CD
0.95%	$100	-	15 Month Bonus Rate CD
0.80%	$100	-	1 Year Bonus Rate CD
0.75%	$100	-	18 Month CD
0.75%	$100	-	9 Month Bonus Rate CD
0.70%	$100	-	15 Month CD
0.60%	$100	-	6 Month Bonus Rate CD
0.55%	$100	-	1 Year CD
0.50%	$100	-	9 Month CD
0.50%	$100	-	3 Month Bonus Rate CD
0.35%	$100	-	6 Month CD
0.25%	$100	-	3 Month CD

Royal Credit Union IRA Rates

Apy	Min	Max	Product
1.45%	$1k	-	4 Year Fixed Rate IRA
1.45%	$1k	-	6 Year Fixed Rate IRA
1.45%	$1k	-	4 Year Fixed Rate Roth IRA
1.45%	$1k	-	6 Year Fixed Rate Roth IRA
1.20%	$1k	-	30 Month Fixed Rate IRA
1.20%	$50k	-	30 Month Fixed Rate Mini-Jumbo IRA
1.20%	$1k	-	30 Month Fixed Rate Roth IRA
1.20%	$50k	-	30 Month Fixed Rate Mini-Jumbo Roth IRA
0.75%	-	-	2 Year Variabe Rate IRA
0.75%	-	-	2 Year Variabe Rate Roth IRA
0.70%	$1k	-	18 Month Fixed Rate IRA
0.70%	$50k	-	18 Month Fixed Rate Mini-Jumbo IRA
0.70%	$1k	-	18 Month Fixed Rate Roth IRA
0.70%	$50k	-	18 Month Fixed Rate Mini-Jumbo Roth IRA
0.50%	$1k	-	1 Year Fixed Rate IRA
0.50%	$50k	-	1 Year Fixed Rate Mini-Jumbo IRA
0.50%	$1k	-	1 Year Fixed Rate Roth IRA
0.50%	$50k	-	1 Year Fixed Rate Mini-Jumbo Roth IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

ROYAL
NCUA #	66834
BankRate Report	View
Year Chartered	1964
Employees	380
Primary Regulator
Assets and Liabilities
Assets	$1.27 billion
Loans	$1.13 billion
Deposits	$1.09 billion
Equity Capital	$108.64 million
Loan Loss Allowance	$18.92 million
Unbacked Noncurrent Loans	$36.27 million
Real Estate Owned	$5.47 million
Historic Data - December 2010
Assets	$1.25 billion
Equity Capital	$105.34 million
Loan Loss Allowance	$22.16 million
Unbacked Noncurrent Loans	$41.38 million
Real Estate Owned	$1.78 million
Profit Margin - Quarterly
Net Interest Margin	4.52%
Return on Assets	0.36%
Return on Equity	4.16%
Interest Income	$60.04 million
Non-Interest Income	$27.72 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Royal Credit Union had $41.74 million in non-current loans and owned real-estate with $127.56 million in equity and loan loss allowances on hand to cover it. This gives Royal Credit Union a Texas Ratio of 32.72% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Royal Credit Union held steady from 33.85% as of December 31, 2010 to 32.72% as of December 31, 2011, resulting in a positive change of 3.32%.This indicates that the balance sheet and financial strength for Royal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Royal Credit Union has decreased its total deposits by -$15.86 million, resulting in -1.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Royal Credit Union has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Royal Credit Union has $1.27 billion in assets with $127.56 million in equity, resulting in a capitalization level of 10.04%, which is above average.

Hold Your Paycheck For SEVEN Days.
1 stars

- alexccdo - Wednesday, March 14, 2012 - 11:04 PM

I'm dusgusted with their greed and apathy. Checks clear instantly electronically. But they play games and HOLD your money for SEVEN days. Thanks, I'm sure my bills won't be late. Enjoy the interest you're earning on MY money. It'll be the last of my money you ever see. Account closed, money moved.

Application For Equity Line Of Credit
2 stars

- Pidcock - Friday, September 2, 2011 - 4:57 PM

Applied for equity line of credit with good credit and assets. Felt loan officer was inexperienced and not straight forward in handling the application. Officer never had a list of requirements for customer to bring to table. After all it is the business of the royal credit union to state requirements and not customer to know what was acceptable or needed. it should have been a clue when every time visited the store, place was deserted and not a hub of commerce. Maybe Wisconsin culture is different than that of Minnesota which would account for their lack of interest in doing business. Brought my business elsewhere.