Royal Credit Union
Headquarters
200 Riverfront Terrace
Eau Claire, WI 54703
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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 $5178.1 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 | $5,178.10 million |
| Loans | $4,665.10 million |
| Deposits | $4,384.81 million |
| Capital | $471.18 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 - April 22, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.40% | $0 | - |
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|
|
Money Market
|
1.35% | $10,000 | $24,999 |
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|
|
Money Market
|
1.65% | $25,000 | $99,999 |
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|
|
Money Market
|
1.80% | $100,000 | $249,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
1.50% | $0 | - |
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|
| 12 Mo CD
|
2.25% | $0 | - |
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|
| 15 Mo CD
|
5.25% | $0 | - |
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|
| 18 Mo CD
|
2.25% | $0 | - |
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|
| 24 Mo CD
|
2.30% | $0 | - |
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|
| 30 Mo CD
|
2.35% | $0 | - |
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|
| 36 Mo CD
|
2.35% | $0 | - |
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|
| 48 Mo CD
|
2.40% | $0 | - |
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|
| 60 Mo CD
|
2.60% | $0 | - |
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|
| 72 Mo CD
|
2.60% | $0 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 24 Month Variable Rate
|
2.10% | $5 | - | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Easy Save
|
1.00% | $5 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.25% | $700 | - | Learn More |
Loan Rates - April 22, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,885 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Royal
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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:
Columbus,Ohio
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 |
|---|---|
| 3.63% | 6.97 |
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 December 31, 2023, Royal had $18,263,622 in non-current loans and $209,794 in owned assets. To cover these potential losses it had $471,181,495 in net worth and $37,171,936 in loans loss reserves. That gives it a Texas Ratio of 3.63%.
Net Worth
| Royal | U.S. Average |
|---|---|
| 9.1% | 13.62% |
Royal FCU has a net worth of 9.1% versus the BestCashCow average of 13.62. 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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