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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

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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


Number 1 Icon 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.


Number 2 icon 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!


Number 3 Icon 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 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!

See How Royal Credit Union Is Different


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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.

Royal Credit Union At A Glance

Here’s a few fast facts about Royal Credit Union

285,000+ Members

We have thousands of Members in Minnesota, Wisconsin, and beyond

27 Offices

Our convenient office locations are here for you, or use our online and mobile tools

40,000+ ATMs

Accessing funds is easy with our national network of surcharge-free ATMs