Credit union · NCUA insured
Royal Credit Union CD Rates
Top CarrotRoyal Credit Union’s best CD rate is 3.77% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Royal Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Royal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Royal Credit Union
3.77%APY
- Term
- 12 months
- Minimum
- $0
- Earns on $10,000
- $377
Certificates
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Royal Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.77%
- 16–30 months16–30 mo3.51%
- 31–60 months31–60 mo2.84%
- QualifiedQualified3.77%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Royal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 3.77%APY · 9 terms
Membership required and account opening upon qualification. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.10% | $27 |
| 6 months | 1.50% | $75 |
| 9 months | 3.65% | $273 |
| 12 months | 3.77% | $377 |
| 18 months | 3.51% | $531 |
| 24 months | 3.09% | $628 |
| 36 months | 2.84% | $876 |
| 48 months | 2.58% | $1,073 |
| 60 months | 2.58% | $1,358 |
Sources (2)
All captured Oct 5, 2026
Lock & Earn Account
3.30%APY · 1 term
Membership required and account opening upon qualification. Insured by NCUA. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months | 3.30% | $219 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
HSA Certificate
3.77%APY · 1 term
Membership required and account opening upon qualification. Substantial penalty for early withdrawal. Dividends calculated daily, compounded and paid monthly. Royal Credit Union does not provide tax advice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.77% | $377 |
Sources (1)
- rcu.org/rates/health-savings-account-rates · captured Oct 5, 2026
Who can join Royal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.