APY on $10,000
0.00%
As of Nov 8, 2026. Rates are variable.
Royal · Savings account
Royal Save & Spend Duo Savings
−$60 a year on $10,000 at today’s 0.00% APY. $5 a month.
- 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
- $60
- A year
- −$60
- 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
- Not stated
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
#265of 270 savings accounts, by a year’s value on $10,000
All 270 savings accounts, rankedFeatures
- Savings round ups
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 to $10,000
- 3.00%
- $10,000 and up
- 0.40%
- $10,000.01 and up
- 0.40%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- To earn the APY
- 20+ monthly debit card transactions
- Must have Duo Checking
- log in to online banking every 90 days
Fees
Who can open it
- 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