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Open A Money Market And You Could Get $1,250 & Earn 1.80% APY*!

Your money could earn more at Royal!

Our Members are getting an additional .10% added to their certificates!

Learn more about Royal’s certificate rates and this exclusive offer! Open now or see all certificate rates

Earn More With Royal’s Money Market Special!

Bring $100,000 or more to open a new money market account and get a $500 reward. Keep the balance at or above $100,000 for 12 months and get an additional $750! Balances of $100,000 or more earn 1.80% APY*, with no maintenance fee.

What Are The Benefits Of A Money Market Account?

In addition to having a great interest rate and cash bonus, money markets combine the high dividend rate of a savings account with the check-writing feature of a checking account! Royal money markets have no monthly maintenance fee and no minimum investment period.

See Our Great Rates

Dividend Rate

How to Get Started


Not a Member?

If you don’t have any open Royal accounts, or if you're not the primary owner of an existing Royal savings account, use the button below to get started!

Already a Member?

If you already have an open Royal personal account, log in to online or mobile banking to start your new account application.

Start without logging in

Prefer to Visit an Office?

We're here to help open your account in person! Schedule an appointment to meet with a Royal expert at the office of your choice.


*APY=Annual Percentage Yield. APY is determined by account balance and shown based on account balance of $100,000. APY current as of 02/01/23 and last changed 02/01/23. APY is accurate as of last dividend declaration date. Rates may change after account is opened. $10,000 minimum deposit to open account. No minimum balance to earn APY. Fees can reduce balance and earnings on account. Offer valid on new Money Market accounts opened 1/2/23 through 3/31/23 with an initial minimum deposit of $100,000 in new money. Initial deposit cannot be made from funds contained in an existing Royal account or withdrawn, redeposited, or transferred from a Royal account during this promotional period. Existing Money Market accounts do not qualify. Membership and account opening upon qualification. The first $500 Reward will be deposited into the tax reported for account holder’s Primary Base Savings Account within 14 days of account opening. The final $750 Reward will be deposited into the tax reported for account holder’s Primary Base Savings Account if the Money Market account has maintained a balance of at least $100,000 and remained open for 12 consecutive months from account opening date. Royal reserves the right to withhold final $750 Reward if qualifications are not met based on Royal’s sole discretion during the 12-month time period. Limit of one account per Member may be included in promotion. Rewards subject to federal and state tax requirements. Royal reserves the right to terminate this promotion at any time. Refer to our Disclosures and Service Fees for more information. Insured by NCUA.

Learn More About Royal’s Deposit Account Options

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Smart Checking

A Checking Account With No Minimum Balance

A checking account with no minimum balance

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Money Market

Earn Higher Dividends With A Money Market Account

Earn higher dividends with a money market account

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Get a better return on your money with a certificate