What are the current interest rates at Royal Credit Union?

Current rates for Royal Credit Union include: MMA: 1.65%

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Royal Credit Union

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Royal Credit Union Rates & Review May 2026

Q: How many branches does Royal Credit Union operate?

Royal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Royal Credit Union?

Yes, to access services at Royal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Royal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Royal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 20, 2026

Royal Credit Union's 9 Month CD rates are at 3.65%. Royal Credit Union's money market rates are at 1.65%. Royal Credit Union's Personal Loan Rates are at 4.54%. MonitorBankRates evaluates the financial stability of Royal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.76%. Rates were last updated on 05/20/2026.

Royal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Royal Credit Union? Share your experience about Royal Credit Union by leaving a review below, or read customer reviews before you decide to use Royal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.76%

Excellent Lower than avg

Royal Credit Union
Corporate Center

200 Riverfront Ter
Eau Claire, WI 54703

https://www.rcu.org

Royal Credit Union CD Rates

Product	Rate	APY	Term	View More
9 Month Certificate	-	3.65%	9 Month
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Royal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	1.65%
Min Balance $25,000 Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Royal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.54%
Details As Low As; Great rates for purchases or refinancing Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.76%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Royal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Royal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Royal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Royal Credit Union

Website https://www.rcu.org

Address 200 Riverfront Ter, Eau Claire, WI 54703

Phone 715-833-8111

Fax

President Tom Huffcutt

CEO Brandon Riechers

Full-Time Employees 806

Part-Time Employees 63

Branch Locations 56

ATM Locations 26

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.76%

Return on Assets (ROA)

0.9981%

Return on Equity (ROE)

9.8318%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

5,714,685,305

Total Amount of Shares and Deposits

5,056,342,577

Total Shares and Deposits < 1 Year

4,981,919,488

Total Shares and Deposits 1 3 Years

71,197,291

Total Shares and Deposits > 3 Years

3,225,798

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

550,874,807

Total Uninsured Shares and Deposits > $250K (F+J)

550,874,807

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,505,467,770

Total Interest Expense (Sum of items 6 8)

97,444,165

Share Certificates

55,600

Number of Accounts for Share Drafts

176,997

IRA KEOGH Accounts

9,963

Number of Accounts for Regular Shares

388,172

All other shares

8,143

Money Market Shares

20,575

Net Income (unless the amount is already included in Undivided Earnings)

57,040,443

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

397,781,763

Total Liabilities

5,134,599,013

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Royal Credit Union

How many branches does Royal Credit Union operate?

Royal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Royal Credit Union?

Yes, to access services at Royal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Royal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Royal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Royal Credit Union offer online and mobile banking?

Most modern institutions like Royal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rcu.org.