Online Banking

New to online banking? Get started

Personal Accounts
Business Accounts

 Remember my username

Forgot login?


 Remember my ID

Forgot ID?


Routing Number: 291880411

Careers Contact Us   1-800-341-9911

Like us on Facebook Follow us on Twitter Join us on Pinterest Link with us on Linkedin Follow us on Google+









March 2015
The new online banking is here!

November 2014
Making a Difference

October 2013
Voice of the Member

June 2013
What's in a Name?

April 2013
Creating a Positive Impact

September 2012
Giving Back to Our Communities

July 2012
Building a Bridge to the Future


Fitbits and Other Health Metrics

Posted on Wednesday, August 5, 2015

You only need to look as far away as my Fitbit-clad wrist (and the wrists of many of my colleagues) to know that there's a huge, growing health and fitness movement. And the push is less about making sweeping, drastic, "quick-fix" changes that can be difficult to maintain - it's about paying more attention, every day, to seemingly basic things like how many steps you're taking, or how much water you're drinking. This kind of steady attention can lead to dramatically better health over time.

At Royal, we've been making strides toward excellent health over the past several years. When it comes to your money, we aren't looking for quick fixes. We're looking to do the right thing now, and make that right thing sustainable for the long term. You've likely already heard the good news about our nearly $5 million in fee reductions, and about our new, tough-to-beat deposit rates. The changes we've made are paying off for you, our valued Members.

Recently, we were named one of the Top 200 healthiest credit unions in America by

Each year, the staff of evaluates the financial health of every federally insured credit union in the United States - more than 6,600 total. The credit union industry is already very healthy, so it says a lot to be in the top tier! Each institution is graded on a number of factors. I don't want to get into too much data or minutiae, but here are a couple of the factors that contributed to Royal's ranking:

Deposit Growth

In the past year, we've increased our deposits by over $130 million, or about 10.5%. This indicates consumer confidence - your confidence! We appreciate the trust you show in us. Your continued, and additional, business allows us to keep reducing fees and increasing rates - like the recent increase to .40% APY we were able to make for your savings accounts.


Capitalization, in brief, is Royal's ratio of retained earnings to assets - our own "savings account," per se. A higher percentage means a greater buffer to cover any loan losses. Our capitalization is at 12.18%, which the NCUA considers well-capitalized.


While not a direct factor in's health rating, the site does acknowledge that our deposit rates are higher than the norm across the board. And we intend to keep it that way!


I'm so proud of where we are, with an even healthier future ahead for our organization and our Members. What's more, we'll continue working, like I do with my Fitbit - paying attention to the everyday things, and making steady improvements. We're here to make a positive impact in the lives of our Members and the people in the communities we serve.  If you have any thoughts you'd like to share, please call me at 715-833-8105 or 1-800-341-9911 ext. 8105. I'm always ready to listen!

About Us

Career Opportunities

The Credit Union Difference

President's Message

Board of Directors


RCU Community Involvement

Rudy's Latest Tweet

New date announced for 2016 RCU Charity Classic - Read More » #GoogleAlerts


RCU's Core Purpose

To create a positive impact in the lives we touch

RCU's Core Values

Make a Difference

Do the Right Thing

Make it Easy

Be Caring

Be Friendly, Nice and Respectful

Take Ownership

For More Information

Call 1-800-341-9911

Email Member Services