APY on $10,000
0.00%
As of Nov 8, 2026. Rates are variable.
Royal · Savings account
Royal High-Yield Savings
$0 a year on $10,000 at today’s 0.00% APY. No monthly fee. No minimum to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer's page · rcu.org
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.00%
- Monthly fee, a year
- $0
- A year
- $0
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer's page · rcu.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · rcu.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · rcu.org
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Against the market
How it ranks
#260of 270 savings accounts, by a year’s value on $10,000
All 270 savings accounts, rankedFeatures
- Interest bearing
- No minimum balance
- Online opening
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0.01 to $9,999.99
- 0.40%
- $10,000 to $100,000
- 3.40%
- $100,000 to $250,000
- 3.60%
- $250,000 and up
- 1.75%
- $250,000.01 and up
- 1.75%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0.01rcu.org, checked Nov 8, 2026
- To earn the APY
- Be a Royal Member and primary owner of a primary base savings account (Membership account)
- Be the primary owner of one of the following checking account types: Smart Checking, Smart Checking Plus, Smart Start Checking, Duo Checking, or Volunteer Checking
- Have at least $500 in cumulative qualifying direct deposits post to your checking account every 60 days
- APY paid on balances up to
- $250,000rcu.org, checked Nov 8, 2026
Who can open it
- 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.
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money