ROYAL

200 RIVERFRONT TERRACE
Eau Claire, WI 54703

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 66834
Date Established 1964
Assets $2,590.94 million
Loans $2,273.96 million
Deposits $2,269.87 million
Capital $276.03 million

Royal is an NCUA insured institution located in Eau Claire, WI. It was founded in 1964 and has approximately $2590.94 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

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 14, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.45% $1 $9,999 Learn MoreShow Less
Money Market
0.95% $10,000 $24,999 Learn MoreShow Less
Money Market
1.26% $25,000 $99,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
2.02% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.45% $100 - Learn MoreShow Less
6 Mo CD
1.41% $100 - Learn MoreShow Less
12 Mo CD
2.02% $100 - Learn MoreShow Less
18 Mo CD
2.78% $100 - Learn MoreShow Less
24 Mo CD
2.12% $100 - Learn MoreShow Less
30 Mo CD
2.17% $100 - Learn MoreShow Less
36 Mo CD
2.32% $100 - Learn MoreShow Less
48 Mo CD
2.38% $100 - Learn MoreShow Less
60 Mo CD
2.43% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.51% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $700 - Learn MoreShow Less

Loan Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.643% 3.625% 0.25 $560 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to ROYAL
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Royal branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Royal Locations


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
1.71% 5.86

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, 2019, Royal had $4,695,563 in non-current loans and $359,910 in owned assets. To cover these potential losses it had $276,029,494 in net worth and $19,288,266 in loans loss reserves. That gives it a Texas Ratio of 1.71%.

Net Worth
Royal U.S. Average
10.65% 13.65%

Royal FCU has a net worth of 10.65% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Royal

Branches and Savings

What is Royal?

A federal credit union, registered with the NCUA under certificate #66834.
Learn more about credit unions here.

Is Royal FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Royal?

Please see Field of Membership information above for information on who is eligible to join.

What are Royal's share account and share certificate rates?

Royal's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Royal?

Royal has total capital of $276.03 million. Full information on Royal's financial position is located above.

Who owns Royal?

Credit Unions are owned by their members.

Where are Royal branches located?

See branch locations nearby.

Are Royal ATMs Open 24/7?

Do Royal ATMs accept cash deposits?

Can Royal customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Royal have a mobile app?

Does Royal have mobile deposit?

Does Royal have quick pay?

How can Royal transfer money to other banks or credit unions?

Does Royal report to credit bureaus?

Does Royal use Chexsystems?

Does Royal use Equifax?

What is Royal's toll free phone number?

What is Royal's ACH Routing Number?

What is Royal's SWIFT code?

Where can I find Royal's wire transfer form?

What is the Royal address for deposits?

What Products Does Royal Offer

Does Royal offer mortgages?

Compare mortgage rates here.

Does Royal offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Royal offer auto and RV loans?

Compare auto loan rates here.

Does Royal offer student loans or personal loans?

Compare personal loan rates here.

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