RoyalSavings accountChecked Oct 10, 2026Updated
Royal Lock & Earn Account
0.00%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $0 after fees
- Monthly fee
- Monthly fee not stated
- To open
- No minimum to open
- On our list
- #227 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 | 0.00% | $0 |
| $5,000 | 0.00% | $0 |
| $10,000 | 0.00% | $0 |
| $25,000 | 0.00% | $0 |
| $50,000 | 0.00% | $0 |
| $100,000 | 0.00% | $0 |
Rate conditions
- To earn the APY
- Leave those funds in the Lock & Earn account for 8 months.Source · checked Oct 10, 2026
Fees
- Minimum to open
- NoneSource · checked Oct 10, 2026
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
Branch accessInterest 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. Not all of this account’s figures are on record yet (monthly fee missing). Report a mistake · How we make money