RoyalSavings accountChecked Oct 10, 2026Updated
Royal High-Yield Savings Account
0.00%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $0 after fees
- Monthly fee
- No monthly fee
- To open
- No minimum to open
- On our list
- #228 of 234 savings accounts, by a year’s value on $10,000
Visit RoyalThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | – | $0 |
| $5,000 | – | $0 |
| $10,000 | 0.00% | $0 |
| $25,000 | 0.00% | $0 |
| $50,000 | 0.00% | $0 |
| $100,000 | 0.00% | $0 |
Rates by balance
| Balance | APY |
|---|---|
| $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% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Balance needed for the APY
- $0.01Source · checked Oct 10, 2026
- To earn the APY
- Be a Royal Member and tax reported owner (TRO) of a primary base savings account
- Be the TRO of an active Royal checking account
- Have at least $500 in cumulative qualifying direct deposits post to your checking account every 60 days
- APY paid on balances up to
- $250,000Source · checked Oct 10, 2026
Fees
Who can open it
- Where
- Wisconsin, MinnesotaSource · checked Oct 10, 2026
- Membership
- Open to anyone who qualifies through one of these:
- Live or work in one of the counties Royal serves
- Have an immediate family member who lives or works in one of the counties Royal serves
- Make a $5.00 donation to the RCU Foundation ($5)
- Belong to a specific group
Features
Interest bearingNo minimum balanceOnline opening
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money