The HSA Report Card





Royal Credit Union (RCU) has been open since 1964. It's the 5th largest credit union in Wisconsin with assets totaling $2.33 Billion and providing banking services to more than 200,000 members. RCU’s team of somewhere around 600 team members, works across 24 Midwestern locations.

Eligibility Requirements:

  • To open an account at Royal, you must live, work, or attend school in one of the counties shown below. You can also join if you live outside of the area and have an immediate family member who is already a Member or is eligible to become one.


Fees & Minimum Balances:

  • $0 Minimum Balance

  • $0 Set Up Fees

  • $0 Monthly Maintenance Fees

  • $0 POS Transaction Fees


  • Royal Credit Union has 19 full-service branches in Wisconsin. Counties served in Wisconsin include Adams, Ashland, Bayfield, Barron, Buffalo, Burnett, Chippewa, Clark, Douglas, Dunn, Eau Claire, Jackson, Lincoln, Marathon, Pepin, Pierce, Polk, Portage, Price, Rusk, Sawyer, St. Croix, Taylor, Trempealeau, Washburn, and Wood.

Interest Rates:

  • $1 - $999.99 1.00%

  • $1,000 - $4,999.99 1.25%

  • $5,000 - $9,999 1.50%

  • $10,000 + 2.00%

Fixed Rate HSA Certificate (Invest $1,000 or more)

  • Term:12-Months

  • Rate: 2.00%