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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 107th largest credit union in the nation. It was established in 1964 and as of December of 2017, it had grown to 517 employees and 194,398 members at 49 locations. Royal Credit Union's money market rates are 2X 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 (6)

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!

Savings and Checking

Posted by: loladrake | Aug 11, 2017

I loved banking with RCU! I had been a member there since I was a young girl with their children's savings program. The only reason I switched was because I moved too far away. I always had a pleasant experience there. When making withdrawals, the tellers were always courteous to ask if I needed any specific forms for the bills. I was encouraged and reminded to upgrade my basic savings to a money market account once I had enough maintained in my savings account. They were looking out for my best interests. When I was transferring to my new bank, they were great at helping me understand the process and gracious of my leave. I highly recommend their services.

Not a Royal Process

Posted by: Platinumps | Nov 3, 2017

I am secretary of a local non-profit organization. We bank at Royal Credit Union, and needed to add a new signer to our club account in July of this year. The new treasurer and I both went into the branch, which is just a few blocks from my home. We had to wait 15 minutes before the customer service rep was ready to see us, even though there was no one else in the bank at that time. Once we sat down with her and explained what we needed to do - a routine task for any bank - it seemed to baffle her a bit. We had to explain it two more times before she figured out what she had to do in order to print out the proper forms to add one signature to the account. Since our club is sponsored by our church, and our pastor is a signer on the account, I had to get another copy of the form, take it to him, have him sign it and bring it back, which took another half-hour. All in all this 5 minute process took nearly half a day to get done. There are other features of this credit union that don't work well for us - getting a check card, proper checks and even our account named properly seems to be impossible. We're actively looking to close our account at Royal and move it elsewhere. I can't recommend them.

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 - YTD1.17%
Return on Equity - YTD10.8%
Annual Interest Income$79.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.21B$2.03B
LoansQ4 2017vs Q4 2016$1.91B$1.69B
DepositsQ4 2017vs Q4 2016$1.93B$1.77B
Equity CapitalQ4 2017vs Q4 2016$237.2MM$211.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$12.2MM$11.9MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$6.3MM$4.5MM
Real Estate OwnedQ4 2017vs Q4 2016$89.00K$510.00K
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* 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

0.90%*$10k*-HSA Checking
OTHER TIERS: 0.75% Up to $1k | 0.80% $1k - $10k
0.75%--RCU Savings Account
0.75%--Easy Save IRAs Investment

Royal Credit Union Money Market Rates

1.06%*$100k*-Money Market Account
OTHER TIERS: 0.75% Up to $10k | 0.90% $10k - $25k | 1.00% $25k - $100k

Royal Credit Union Checking Account Rates

0.40%--Smart Checking PLUS
0.40%--Royal Advantage Plus

Royal Credit Union CD Rates

2.22%$100$250k6 Year CD
2.12%$100$250k4 Year CD
2.02%$100-36 Month CD
1.92%$100$250k30 Month CD
1.76%$100-24 Month CD
1.61%$100$250k18 Month CD
1.51%$100$250k1 Year CD
1.51%$1k-1 Year Fixed Rate HSA
1.16%$100$250k6 Month CD
0.75%$100$250k3 Month CD

Royal Credit Union IRA Rates

2.22%$1k-6 Year Fixed Rate IRA
2.12%$1k-4 Year Fixed Rate IRA
2.02%$1k-36 Month Fixed Rate IRA
1.92%$1k-30 Month Fixed Rate IRA
1.76%$1k-24 Month Fixed Rate IRA
1.61%$1k-18 Month Fixed Rate IRA
1.51%$1k-1 Year Fixed Rate IRA
1.06%--2 Year Variabe Rate IRA