Credit union · NCUA insured
Royal Credit Union
Top CarrotA $5.9B credit union, the 67th largest of 4,329, headquartered in Eau Claire, WI, with 339,177 members and 28 branches in 2 states. Best rates: CDs 3.77% and savings 3.30% APY.
Royal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#20 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Royal Credit Union
- Headquarters
- 200 Riverfront Ter, Eau Claire, WI 54703
- NCUA charter
- 66834
Branches
28 branches in 2 states
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Wisconsin
20 branches
Eau Claire area · 8
- Altoona Office1159 Blazing Star Blvd, Altoona, WI 54720Directions
- Chippewa Falls Downtown Office215 Bay St, Chippewa Falls, WI 54729Directions
- Chippewa Falls South Office1031 Woodward Ave, Chippewa Falls, WI 54729Directions
- Eau Claire Downtown Office455 E Madison St, Eau Claire, WI 54703Directions
- Eau Claire South Office4501 Royal Dr, Eau Claire, WI 54701Directions
- Eau Claire Southwest Office1049 W Clairemont Ave, Eau Claire, WI 54701Directions
- Eau Claire West Office2415 Jodi Dr, Eau Claire, WI 54703Directions
- Mortgage Operations Center419 N Hastings Pl, Eau Claire, WI 54703Directions
Minneapolis area · 4
- Hudson Office2501 Hanley Rd, Hudson, WI 54016Directions
- New Richmond355 S Knowles Ave, New Richmond, WI 54017Directions
- River Falls Office1150 N Main St, River Falls, WI 54022Directions
- Somerset Office115 Parent St, Somerset, WI 54025Directions
Menomonie area · 2
- Menomonie East Office2421 Stout Rd, Menomonie, WI 54751Directions
- Menomonie North Office2615 Hils Ct, Menomonie, WI 54751Directions
Colby area · 1
- Colby Office204 W Spence St, Colby, WI 54421Directions
Medford area · 1
- Medford Office352 N 8th St, Medford, WI 54451Directions
Osceola area · 1
- Osceola Office500 Chieftain St, Osceola, WI 54020Directions
Rice Lake area · 1
- Rice Lake Office1421 S Main St, Rice Lake, WI 54868Directions
St. Croix Falls area · 1
- St. Croix Falls Office2175 US Highway 8, St. Croix Falls, WI 54024Directions
Whitehall area · 1
- Whitehall Office18567 Scranton St, Whitehall, WI 54773Directions
Minnesota
8 branches
- Apple Valley Office14295 Cedar Ave, Apple Valley, MN 55124Directions
- Lake Area Mortgage1200 West County Rd E, Suite 200, Arden Hills, MN 55112Directions
- Edina Office4450 W 76th St, Edina, MN 55435Directions
- Hugo Office14602 Everton Ave N, Hugo, MN 55038Directions
- Inver Grove Heights Office7055 Cahill Ave, Inver Grove Heights, MN 55076Directions
- St. Paul Office2640 Rice St, St. Paul, MN 55113Directions
- Stillwater Office5795 Minnesota Ave N, Stillwater, MN 55082Directions
- White Bear Lake Office1400 Highway 96 E, White Bear Lake, MN 55110Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.83% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.43% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.48% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalNet worth ratio10.83%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.43%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.48%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Royal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.