12accounts we track

  • Savings5
  • Money market1
  • Checking5
  • CDs1

Credit union in Eau Claire, WI

Royal

NCUA-insured · charter 66834

Savings, money market, checking and CDs, with every rate from Royal’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated

Best savings rate
3.60%APY · Royal High-Yield Savings
Best CD rate
4.10%APY for 1 year

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees
Royal High-Yield SavingsSavings account · no minimum to open3.60%$0None
Royal Duo SavingsSavings account3.00%$40Not stated
Royal Save & Spend Duo SavingsSavings account3.00%−$60$5 a month
Royal Kids' SavingsSavings account · $5 to open0.40%$40Not stated
Royal Personal SavingsSavings account0.40%$40Not stated
Royal Money MarketMoney market accountNot stated—Not stated

Checking

Against 1043 checking accounts
Royal Smart Checking PlusChecking account · no minimum to open0.25%#20$10 a month
Royal Smart CheckingChecking account · no minimum to open0.25%#21None
Royal Smart Start CheckingChecking account · no minimum to openNot stated#446None
Royal Duo CheckingChecking accountNot stated#747Not stated
Royal Duo Checking (Save & Spend Duo)Checking accountNot stated#754Not stated

Certificates, by term

3 months1.10%—
6 months1.50%#110 of 143
9 months4.00%—
1 year · Royal’s best4.10%#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

A dash: a term we don’t rank. All Royal CDs

Against the market

How Royal ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

  • Royal Smart Checking PlusChecking account#20 of 1043
  • Royal Smart CheckingChecking account#21 of 1043
  • Certificates · 1 yearCD#49 of 176
  • Certificates · 3 yearsCD#33 of 98
  • Certificates · 2 yearsCD#45 of 134
  • Royal Duo SavingsSavings account#92 of 270
  • Royal Personal SavingsSavings account#93 of 270
  • Certificates · 18 monthsCD#39 of 107

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.