Royal Credit Union

Headquarters

200 Riverfront Terrace
Eau Claire, WI 54703
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.40% 5.50% →
1-Year CD 2.25% 5.25% →
2-Year CD 2.30% 4.50% →
5-Year CD 2.60% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Royal is an NCUA insured institution located in Eau Claire, WI. It was founded in 1964 and has approximately $5384.2 millions in assets.

Who can join?

To open an account at RCU, you must live or work in one of the following counties. You can also join if you live outside of the area and have an immediate family member who is already a Member or is eligible for membership.

Wisconsin Locations

Eau Claire
Chippewa
Barron
Buffalo
Burnett
Clark
Dunn
Jackson
Marathon
Pepin
Pierce
Polk
Rusk
St. Croix
Taylor
Trempealeau
Washburn
Wood

Minnesota Locations

Anoka
Carver
Chisago
Dakota
Goodhue
Hennepin
Olmsted
Ramsey
Scott
Wabasha
Washington
Winona

NCUA Insured Yes / State-Chartered
Charter Number # # 66834
Date Established 1964
Assets $5,384.20 million
Loans $4,680.99 million
Deposits $4,620.36 million
Capital $500.68 million
 

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.

Deposit Rates - October 10, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.40% $0 - Learn More
Money Market
1.35% $10,000 $24,999 Learn More
Money Market
1.65% $25,000 $99,999 Learn More
Money Market
1.80% $100,000 $249,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
1.10% $0 - Learn More
6 Mo CD
1.50% $0 - Learn More
12 Mo CD
2.25% $0 - Learn More
18 Mo CD
4.75% $0 - Learn More
24 Mo CD
2.30% $0 - Learn More
30 Mo CD
2.35% $0 - Learn More
36 Mo CD
2.35% $0 - Learn More
48 Mo CD
2.40% $0 - Learn More
60 Mo CD
2.60% $0 - Learn More
72 Mo CD
2.60% $0 - Learn More
Variable IRA Rates APY MIN MAX
24 Month Variable Rate
2.10% $1 - Learn MoreShow Less
Easy Save
1.00% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK
0.25% $700 - Learn MoreShow Less

Loan Rates - October 10, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Royal

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Foundation Home Loans, LLC
NMLS ID: 2559614
License#: MC-7844
6.100% 6.000% 0.75 $3,484 $1,919 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.579% 6.490% 0.75 $2,975 $2,021 Learn More
PenFed Credit Union
NMLS ID: 401822
6.818% 6.625% 1.00 $6,400 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
6.847% 6.750% 1.00 $3,200 $2,076 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

Note to Royal
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Climate Policy and Initiatives

ROYAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Royal Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Royal. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Royal U.S. Average
4.94% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Royal had $26,146,711 in non-current loans and $422,369 in owned assets. To cover these potential losses it had $500,675,728 in net worth and $37,171,936 in loans loss reserves. That gives it a Texas Ratio of 4.94%.

Net Worth
Royal U.S. Average
9.3% 13.93%

Royal FCU has a net worth of 9.3% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Royal

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