Open an Account With Royal Credit Union
Can we help you find the right Royal accounts?
Open Personal or Specialty Account
Personal Account
Open a savings, checking, money market or certificate. Must be 18 or older.
Minor Account
Open a savings, checking, money market or certificate for anyone under 18.
IRA Account
New and existing Members can use this option to open an Individual Retirement Account (IRA).
HSA Account
New and existing Members can use this option to open a Health Savings Account (HSA).
Open Business Account
Business Accounts
New and existing business Members can use the button below to open a business account.
Continue or Review An Application
Continue where you left off or review an application in process.
Open Your Account in Person?
Stop into one of our many locations to open your account.
Frequently Asked Questions
How long does it take to open an account at Royal Credit Union?
Opening a personal deposit account with Royal typically takes only a few minutes if you’re already a Member and have the required information ready. The total time can vary based on the type of account, how you apply, and whether additional identity or Member eligibility verification is needed.
What do I need to open an account?
To open a personal deposit account, you’ll generally need a valid photo ID, Social Security number, date of birth, current address, phone number, email address, and an opening deposit of at least $5. If you’re not already a Member, Royal may also request proof of address or a second form of identification.
Who is eligible to join Royal Credit Union?
You may be eligible to join Royal Credit Union if you live or work in a county Royal serves in Wisconsin or Minnesota. You may also qualify through an immediate family member, an eligible employer or group, or—if you live in Wisconsin or Minnesota—by making a $5 donation to the RCU Foundation.