Credit union · NCUA insured
Royal Credit Union Savings Rates
Top CarrotRoyal Credit Union’s best savings rate is 3.30% APY on $10,000, with its Lock & Earn Account. Rates checked October 16, 2026.
How Royal Credit Union’s savings 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
3.40%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $340
High-Yield Savings Account
Top rate
VisionBank
3.76%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Royal Credit Union savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.30%
- $10,000 balance$10,0003.30%
- $100,000 balance$100,0003.30%
- QualifiedQualified3.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Savings Account
3.40%APY
To earn qualified APY, must be Tax Reported Owner of a primary base savings account and an eligible Royal checking account with at least $500 in cumulative qualifying direct deposits. Cadence is stated as every 60 days on the product page or every 45 days in footnote 3. One high-yield savings account per Tax Reported Owner. If requirements are not met, non-qualified APY applies. No minimum balance required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.40% | — |
| $10,000 – $100,000 | 3.40% | $340 |
| $100,000 – $250,000 | 3.60% | — |
| Over $250,000 | 1.75% | — |
Sources (2)
All captured Oct 16, 2026
Lock & Earn Account
3.30%APY · 1 term
Special savings account locking funds for 8 months. No minimum opening balance. Substantial penalty for early withdrawal. After 8 months, enters a 10-day grace period to make changes or it re-locks for another 8 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months8 Month term | 3.30% | $219 |
Sources (2)
All captured Oct 16, 2026
Money Market
1.35%APY
No minimum balance. No monthly maintenance fee. Membership required and account opening upon qualification.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum balance of $.01 to earn APY. Rates may change after account is opened. | 0.80% | — | Minimum balance of $.01 to earn APY. Rates may change after account is opened. |
| $10,000 – $25,000Rates may change after account is opened. | 1.35% | $135 | Rates may change after account is opened. |
| $25,000 – $50,000Rates may change after account is opened. | 1.65% | — | Rates may change after account is opened. |
| $50,000 – $100,000Rates may change after account is opened. | 1.80% | — | Rates may change after account is opened. |
| $100,000 – $250,000Rates may change after account is opened. | 2.00% | — | Rates may change after account is opened. |
| $250,000 – $500,000Rates may change after account is opened. | 2.50% | — | Rates may change after account is opened. |
| $500,000 – $1,000,000Rates may change after account is opened. | 2.75% | — | Rates may change after account is opened. |
| $1,000,000 and upRates may change after account is opened. | 3.00% | — | Rates may change after account is opened. |
Sources (2)
All captured Oct 5, 2026
Save & Spend Duo Savings
3.00%APY
Combined with Duo Checking. $5 monthly fee waived when making at least 20 debit card purchases each calendar month and logging in to online or mobile banking at least once every 90 days. Includes Debit Roundup feature. No minimum balance to open or earn APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000On the first $10,000 | 3.00% | $300 | On the first $10,000 |
| Over $10,000Amounts over $10,000 | 0.40% | — | Amounts over $10,000 |
Sources (2)
All captured Oct 16, 2026
Personal Savings
0.40%APY
$5 minimum opening deposit and minimum balance to open Membership account, no minimum balance for additional savings accounts. $0.01 minimum balance to earn APY. Establishes credit union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.40% | $40 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account (HSA) Checking
1.87%APY on $10,000
Must be enrolled in a high-deductible health plan (HDHP). Membership required and account opening upon qualification. Fees could reduce earnings.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 1.73% |
| $5,000 – $25,000 | 1.98% |
| $25,000 and up | 2.22% |
On $10,000 the tiers blend to about 1.87% APY, earning $187 a year.
Sources (1)
- rcu.org/rates/health-savings-account-rates · captured Oct 16, 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.