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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

How will your story unfold?

That’s the question we always ask new Members, because we’re looking forward to being a part of your story. To join Royal, all you need to do is open a savings account with a minimum balance of $5.

Why choose Royal Credit Union?

When you join Royal, you’re joining over 200,000 like-minded Members who want to be part of the best credit union in their area. As a not-for-profit credit union, Royal returns profits back to our Members in the form of better rates, fewer fees, and more free account services. Being a Member also supports your community. Our RCU Foundation nonprofit has awarded more than 3 million dollars in charitable grants since 2012.

Why $5?

Five dollars is defined as the par value of a Member’s credit union share in our bylaws. All Members must maintain a minimum balance of $5 in their savings account to keep their share in the credit union.

Who can become a Member?

To join Royal Credit Union, you must live, work, or attend school in one of the counties we serve listed below. You may also join no matter where you live if you have an immediate family member who is already a Member or is eligible to become one.

Map of counties for RCU

Minnesota Counties:

  • Anoka
  • Carver
  • Chisago
  • Dakota
  • Goodhue
  • Hennepin
  • Isanti
  • Olmsted
  • Pine
  • Ramsey
  • Scott
  • Sherburne
  • Wabasha
  • Washington
  • Winona
  • Wright

Wisconsin Counties:

  • Adams
  • Ashland
  • Barron
  • Bayfield
  • Burnett
  • Buffalo
  • Chippewa
  • Clark
  • Douglas
  • Dunn
  • Eau Claire
  • Jackson
  • Lincoln
  • Marathon
  • Pepin
  • Pierce
  • Portage
  • Polk
  • Price
  • Rusk
  • Sawyer
  • St. Croix
  • Taylor
  • Trempealeau
  • Washburn
  • Wood


Our Member experience is top notch at Royal, it's about People Helping People.


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