Become a Member

At Royal Credit Union, we're working hard to make it easy for our Members - join us today and start writing your story

Call us at 800-341-9911 or visit an office

Why Join Royal Credit Union?

All The Financial Services You Need

From deposit accounts to loans, Royal Credit Union offers a full suite of personal and business banking services to meet all your financial needs.

Committed To Our Communities

We live up to our core purpose of creating a positive impact in the lives we touch. Our nonprofit RCU Foundation has donated over $6 million in charitable grants to community organizations since 2012.

Focused On Your Goals First

As a Member-owned credit union, not a corporation, any earnings are returned to Members as better rates and low or no fee account services.

We Have Top Technology Tools

We offer almost all of the same online and mobile tools as national banks! Our convenient technologies make it easy for our Members to manage their accounts.

How To Become A Member Of Royal Credit Union

Check Your Eligibility

You’ll need to meet our eligibility requirements before you can join Royal. For most people, you’ll be eligible because you live in one of the counties we serve. There are also lots of other ways you can qualify, so check our eligibility page for details.

Decide What Services You Need

We have checking and savings accounts, money markets, certificates, and even HSAs and IRAs. We also offer home loans, auto loans, credit cards, and other lending options. Everyone also needs at least $5 in a Royal savings account – it’s your share in the credit union. Plus, we offer business accounts and loans, too!

Apply For Accounts & Loans

You can apply for the accounts and loans you need online, either from our recommendations tool or just about any page on rcu.org. Our online applications guide you through entering the needed info. We’ll review your application and let you know the next steps to becoming a Member!

Open an Account

Apply For a Loan

See How Royal Credit Union Is Different

See what sets Royal Credit Union apart - as shared by our very own Members! Because Royal is owned by our Members, we treat everyone like a person, not a number. It all comes back to our credit union values and our core purpose of creating a positive impact in the lives we touch.