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Overview / Commentary
200 Riverfront Ter
Eau Claire, WI 54703

Royal Credit Union is headquartered in Eau Claire and is the 5th largest credit union in the state of Wisconsin. It is also the 109th largest credit union in the nation. It was established in 1964 and as of December of 2016, it had grown to 503 employees and 180,346 members at 50 locations. Royal Credit Union's money market rates are 93% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Royal Credit Union is open to those who live or work in Anoka, Carver, Chisago, Dakota, Goodhue, Hennepin, Olmsted, Ramsey, Scott, Wabasha, Washington, and Winona Counties in Minnesota or Adams, Barron, Burnett, Buffalo, Chippewa, Clark, Dunn, Eau Claire, Jackson, Lincoln, Marathon, Pepin, Pierce, Portage, Polk, Price, Rusk, Sawyer, St. Croix, Taylor, Trempealeau, Washburn, and Wood Counties in Wisconsin. Membership is also open to immediate family of those eligible.
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Reviews (4)

Love This Place, Long Time Member

Posted by: erisha123 | Oct 4, 2012

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

Posted by: Anonymous | Jun 28, 2012

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.

Application For Equity Line Of Credit

Posted by: Pidcock | Sep 2, 2011

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.


Hold Your Paycheck For SEVEN Days.

Posted by: alexccdo | Mar 14, 2012

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.


Health Grade Components

NCUA #66834
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD9.43%
Annual Interest Income$66.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$2.03B$1.71B
LoansQ4 2016vs Q4 2015$1.69B$1.48B
DepositsQ4 2016vs Q4 2015$1.77B$1.48B
Equity CapitalQ4 2016vs Q4 2015$211.6MM$191.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$11.9MM$13.2MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$4.5MM$7.3MM
Real Estate OwnedQ4 2016vs Q4 2015$510.00K$1.5MM
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Always verify rates and promotions with the bank or credit union. We are not Royal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Royal Credit Union Savings Account Rates

0.85%*-$10kVariable Rate IRAs Investment
OTHER TIERS: 0.65% $10k - $25k | 0.70% $25k - $100k | 0.80% $100k+
0.70%*$2,500*-Easy Save IRAs Investment
OTHER TIERS: 0.65% Up to $2,500
0.70%*$10k*-HSA Checking
OTHER TIERS: 0.65% Up to $10k
0.65%--RCU Savings Account

Royal Credit Union Money Market Rates

0.85%*$100k*-Money Market Account
OTHER TIERS: 0.65% Up to $10k | 0.70% $10k - $25k | 0.80% $25k - $100k

Royal Credit Union Checking Account Rates

0.35%--Smart Checking PLUS
0.35%--Royal Advantage Plus

Royal Credit Union CD Rates

1.92%$100$250k6 Year CD
1.87%$100$250k4 Year CD
1.61%$100$250k30 Month CD
1.26%$100$250k18 Month CD
1.16%$100$250k1 Year CD
1.16%$1k-1 Year Fixed Rate HSA
0.95%$100$250k6 Month CD
0.70%$100$250k3 Month CD

Royal Credit Union IRA Rates

1.92%$1k-6 Year Fixed Rate IRA
1.87%$1k-4 Year Fixed Rate IRA
1.61%$1k-30 Month Fixed Rate IRA
1.26%$1k-18 Month Fixed Rate IRA
1.16%$1k-1 Year Fixed Rate IRA
0.85%--2 Year Variabe Rate IRA

Royal Credit Union has 50 locations. Click to view all Royal Credit Union locations.