Rate Center

Royal Credit Union may offer more competitive rates than some banks because it is a not-for-profit financial cooperative that returns earnings to Members through benefits such as higher deposit rates, lower loan rates, and fewer fees. Rates vary by product and can change, so compare the current annual percentage yield (APY), annual percentage rate (APR), fees, and terms before deciding which option is best for you.

Royal Credit Union rates can change at any time based on factors such as market conditions and the type of deposit or loan product. Some variable rates may change after an account is opened or a loan is issued, while a fixed-rate loan or certificate generally keeps its stated rate for the agreed term.

You may be eligible to join Royal Credit Union if you live or work in a county Royal serves in Wisconsin or Minnesota. Other options include qualifying through an immediate family member, certain employers or groups, or—if you live in Wisconsin or Minnesota—making a $5 donation to the RCU Foundation. Membership and account-opening requirements apply before you can access Royal’s deposit and loan rates.

Royal Credit Union’s auto loan rates vary by vehicle age and loan term. Current rates are listed on the auto loan rates page, along with estimated monthly payments; the rate you receive is subject to credit approval and may differ from the lowest advertised rate.