1 CD
Royal CD rates
Every CD we track from Royal, by term, with each term’s place among the CDs we track and its terms of business.
At each term
Its best rates
- 3 months1.10%Not ranked
- 6 months1.50%#110 of 143
- 9 months4.00%Not ranked
- 1 year4.10%#49 of 176
- 18 months3.95%#39 of 107
- 2 years3.80%#45 of 134
- 3 years3.75%#33 of 98
- 4 years2.58%Not ranked
- 5 years2.58%#51 of 98
Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Every CD
By term
Certificates
3 months1.10%—
6 months1.50%#110 of 143
9 months4.00%—
1 year4.10%#49 of 176
18 months3.95%#39 of 107
2 years3.80%#45 of 134
3 years3.75%#33 of 98
4 years2.58%—
5 years2.58%#51 of 98
- Early withdrawal penalty
- Early withdrawal penalties applyrcu.org, checked Nov 8, 2026
- Where
- Wisconsin, Minnesotarcu.org, checked Nov 8, 2026
- Membership
- Membership required:
- Live or work in one of the counties that Royal serves (Minnesota and Wisconsin counties listed on the page).
- Have an immediate family member who lives or works in one of the counties Royal serves, regardless of where you live. The family member does not need to be a current Member.
- Live in Minnesota or Wisconsin and make a $5.00 donation to the nonprofit RCU Foundation yourself, or have a $5.00 donation to the Foundation made on your behalf. ($5)
- Employees (and, for Xcel Energy, retired employees) of the listed employers, including the former Uniroyal plant in Eau Claire, Marten Transport, Tenneco-Packaging Corporation, Hurd Millwork Co. Inc., Marathon Cheese Corporation, Phillips Plastics Corporation, Tombstone Pizza Corporation, Weather Shield Mfg. Inc., and Xcel Energy, Inc. and its subsidiaries, plus certain realtor-association-affiliated firms and contractors in Minnesota or Wisconsin.
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake