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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Royal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Royal Credit Union's 12 Month CD rates are at 3.65%, 9 Month CD rates are at 3.65%, Business CD 12 month rates are at 3.65%, Business CD 9 month rates are at 3.65%, 18 Month CD rates are at 3.00%. Royal Credit Union's money market rates are at 0.60%. Royal Credit Union's 10 Year Fixed rates are at 5.88%, 10 Year Fixed Rate Mortgage rates are at 5.88%, 15 Year Fixed rates are at 6.00%, 20 Year Fixed rates are at 6.50%, 30 Year Fixed rates are at 6.62%. 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 5.10%. Rates were last updated on 03/28/2026. 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. 
Royal Credit Union CD Rates
Royal Credit Union Money Market Rates
Royal Credit Union Mortgage Rates
Royal Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.10%
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
Frequently Asked Questions About Royal Credit UnionIs Royal Credit Union a safe place to deposit money?Yes, Royal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.1034073319059%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Royal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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