Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
200 Riverfront Ter
Eau Claire, WI 54703

Royal Credit Union is headquartered in Eau Claire and is the 6th largest credit union in the state of Wisconsin. It is also the 134th largest credit union in the nation. It was established in 1964 and as of March of 2014, it had grown to 383 employees and 153,716 members. Royal Credit Union's money market rates are 36% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must live or work in Eau Claire, Chippewa, Barron, Buffalo, Burnett, Clark, Dunn, Jackson, Marathon, Pierce, Pepin, Polk, Rusk, St. Croix, Taylor, Trempealeau, Washburn or Wood County in Wisconsin or Anoka, Carver, Chisago, Dakota, Goodhue, Hennepin, Olmsted, Ramsey, Scott, Wabasha, Washington or Winona County in Minnesota. - See Details

Reviews (4)

Hold Your Paycheck For SEVEN Days.

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

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.


Love This Place, Long Time Member

I have been a member of RCU for roughly 10 years and I would absolutely recommend this credit union to ANYONE!  I currently have multiple savings accounts, checking, HSA, overdraft protection, credit card, home equity loan, 1st mortgage, car loan, custodial accounts for my children and certificates.  I have refinanced my home twice to lower the rate and have enjoyed my experiences with every lender I've worked with.  Their rates are extremely competitive and they didn't charge me any points.  I've worked with 3 of their investment reps for my kids college investment accounts as well, all fantastic.

I've never had a check held, paycheck delayed or loan application with any problems.  I bought a car out of state and they even made that process easy.  The branch office I use is open until 7 pm weekdays and also open on Saturday AND Sunday.  Talk about convenient!  Their ATMs are everywhere and I can use Kwik Trip too without getting charged fees.  They've helped me buy savings bonds for my kids and redeem bonds for myself.

I LOVE their e-branch.  My credit card has a rate less than 8% and I've gotten hundreds of dollars as well as a free airline ticket from my credit card rewards.  There is a little "school site" branch at my son's elementary school.  He brings in his money to deposit in his little RCU coin pouch.  They give him stickers and suckers at the office AND they invite him to special kids functions likes free movies, a luau at the local pool and a halloween party.

Ignore those other two reviews if you are considering this place, they're junk.  RCU is pretty darn awesome!

RCU Doesn't Like Businesses

I've been trying for 2 months to get what I think should be a simple change to my account done. I call business services every week and the receptionist says a manager will call me back but nothing. I have quit a bit of money in the account so it's not like I'm a small business. I'm so frustrated, I'm ready to find something else because they obviously don't care.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Royal Credit Union had $16.66 million in non-current loans and owned real-estate with $177.57 million in equity and loan loss allowances on hand to cover it. This gives Royal Credit Union a Texas Ratio of 9.39% which is excellent. 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 decreased dramatically from 15.11% as of March 31, 2013 to 9.39% as of March 31, 2014, resulting in a positive change of 37.87%.This indicates that the balance sheet and financial strength for Royal Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Royal Credit Union has increased its total deposits by $90.49 million, resulting in 7.81% 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 excellent.



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 $1.44 billion in assets with $177.57 million in equity, resulting in a capitalization level of 12.35%, which is excellent.

Institution Statistics

NCUA #66834
Year Chartered1964
Primary Regulator
Assets and Liabilities
Assets$1.44 billion
Loans$1.17 billion
Deposits$1.25 billion
Equity Capital$161.14 million
Loan Loss Allowance$16.43 million
Unbacked Noncurrent Loans$11.05 million
Real Estate Owned$5.61 million
Historic Data - March 2013
Assets$1.33 billion
Equity Capital$132.00 million
Loan Loss Allowance$18.31 million
Unbacked Noncurrent Loans$11.05 million
Real Estate Owned$6.24 million
Profit Margin - Quarterly
Net Interest Margin1.09%
Return on Assets1.4%
Return on Equity12.53%
Interest Income$14.25 million

Always verify rates and promotions with the bank or credit union. We are not Royal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Royal Credit Union Savings Account Rates

0.40%$10k-HSA Checking
0.20%$2,500-Easy Share IRA
0.20%$2,500-Easy Share Roth IRA
0.15%--RCU Savings Account
0.15%--RCU Kid's Club

Royal Credit Union Money Market Rates

0.60%$100k-Money Market Account

Royal Credit Union Checking Account Rates

0.10%--Smart Checking PLUS

Royal Credit Union CD Rates

1.49%$100$250k4 Year CD
1.49%$100$250k6 Year CD
1.30%$100$250k30 Month CD
0.85%$100$250k18 Month CD
0.70%$100$250k1 Year CD
0.70%$1k-1 Year Fixed Rate HSA
0.45%$100$250k6 Month CD
0.25%$100$250k3 Month CD

Royal Credit Union IRA Rates

1.49%$1k-4 Year Fixed Rate IRA
1.49%$1k-6 Year Fixed Rate IRA
1.30%$1k-30 Month Fixed Rate IRA
0.85%$1k-18 Month Fixed Rate IRA
0.75%--2 Year Variabe Rate IRA
0.70%$1k-1 Year Fixed Rate IRA

Royal Credit Union has 49 locations. Click to view all Royal Credit Union locations.