Checking & Savings

The basic products you need to get your story rolling

And when we say free checking, we mean it.

We're pleased to offer some of the simplest, most straightforward, most Member-friendly checking products around - you're sure to find a fit. Plus, with our technologies you can manage your account, receive statements, and pay your bills online or on your mobile device.

Smart Checking

It's simple. It's smart. It's simply smart. Our basic checking product gives you everything you need to manage your money day-to-day so your financial story doesn't turn into a tragicomedy. Learn More

Royal Credit Union | Checking and Savings

Sporting a higher account balance and looking for a little more bang for your buck? Check out Smart Checking PLUS. You’ll earn higher dividends while still enjoying full access to your money. Learn More

Royal Credit Union | Checking and Savings

Experience the combined benefits of both a savings and checking account with higher dividends and full access to your money.  Learn More

Health Savings

A Royal Credit Union Health Savings Account lets you put aside money for medical expenses tax free. Your money will earn a great rate, and there is no maintenance fee. Learn More

Smart Start Checking

Get your story started right with our checking product designed for the 25-and-unders. Learn More

Royal Credit Union | Savings

With your Royal Credit Union checking account in place, you’re prepared for the present. Now you can start planning for the future. Whatever your future may hold, whatever your dreams, our savings and investment vehicles can help get you there. Learn More

Royal Credit Union | Investments and Retirement

While not as fun as saving for a jet ski, it’s pretty important to talk about retirement. Our IRA programs allow you to get the most out of your money, with traditional IRA or Roth IRA options. Either way, your future self will thank you. Plus, our RCU Investments and Insurance Team can work with you to assess your current financial picture and help you plan for retirement, college and more. Learn More

Debit Cards

Get fast and easy ATM access and the power to make purchases anywhere Visa is accepted. Learn More