Royal Credit Union Edina MN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Royal, your trusted financial partner in Edina, MN! Located at 4450 W 76th St, Edina, MN 55435, our branch has been serving the community since 1964. With a commitment to empowering our members, we proudly serve over 318,645 individuals and families, offering a range of financial products designed to meet your needs. At Royal, we understand that banking is more than just transactions; it's about building relationships and supporting our community. Our total assets stand at an impressive $5,362,983,803, which reflects our strength and stability. With $295,241,638 in total deposits and a net worth of $507,323,441, you can trust us to safeguard your financial future. Whether you're looking for personal banking solutions like checking and savings accounts or exploring options for auto loans and mortgages, we're here to help. Our dedicated team is led by CEO Brandon Riechers and Board President Tom Huffcutt, who are passionate about providing exceptional service. With 855 employees ready to assist you, we ensure that every interaction is meaningful. For any official correspondence, please note that while you can visit us at our branch address, mail should be directed to 4450 West 76th Street, Edina, MN 55435. We invite you to discover the difference with Royal Credit Union. Call us at 952-933-9000 or visit our website at rcu.org for more information on how we can support your financial journey today!

Branch History & Mission

Welcome to the story of Royal, where our commitment to community and member service has been the cornerstone of our identity since we opened our doors in 1964. Located at 4450 W 76Th St Edina Mn 55435 in the vibrant city of Edina, MN, our branch has grown alongside our members, adapting to their financial needs while fostering a strong sense of community. From humble beginnings, Royal has evolved into a trusted financial institution serving over 318,645 members. With total assets reaching an impressive $}, we have consistently focused on providing a range of services tailored for both personal and business banking needs. Our mission is simple yet powerful: to empower our members with financial tools that help them achieve their goals while also investing back into the communities we serve. Our branch is not just about numbers; it's about people. We strive to create meaningful relationships with our members by offering personalized service that goes beyond transactions. Whether you're looking for auto loans, mortgages, or simply a safe place to save your money, we are here to guide you every step of the way. You can visit us during our operating hours from Monday to Friday, 8:30 AM to 5 PM, and enjoy convenient ATM access right here at our location. As part of our commitment to accessibility, we are proud to offer ADA-compliant facilities ensuring that everyone can take advantage of our services. While we do not currently have drive-thru banking or shared service centers, we focus on delivering exceptional customer experiences through online and mobile banking platforms that allow you to manage your finances anytime, anywhere. We believe in giving back to the community as much as we believe in serving our members. Over the years, we've partnered with local organizations and schools to support various initiatives aimed at improving lives and creating opportunities for growth. It's this spirit of collaboration that drives us forward. While you can always reach us at (952) 933-9000, official correspondence should be sent to 4450 West 76th Street, Edina, MN 55435 if it differs from your visit. We invite you to join the Royal family and experience firsthand how we can help you thrive financially while being an integral part of your community. Together, let's build a brighter future! Explore more about what we offer by visiting us online at https://www.rcu.org/ or learn how you can become a member today here.

Branch Location & Accessibility

Welcome to the Royal Credit Union branch located at 4450 W 76th St, Edina, MN 55435! Our friendly team is here to provide you with all your banking needs in a convenient and accessible location. Nestled in the heart of Edina, our branch is just a short drive from popular spots like the Southdale Center and Centennial Lakes Park, making it easy for you to stop by while enjoying your day out. While members can visit us at our Edina location, official correspondence should be sent to our mailing address: 4450 West 76th Street, Edina, MN 55435. We understand how important accessibility is, which is why our branch features ADA-compliant entrances and ramps for easy access. Plus, ample parking is available right outside, ensuring you can visit us without any hassle. We are open Monday through Friday from 8:30 AM to 5 PM, offering flexible hours that fit into your busy schedule. Whether you're looking to open a new account, apply for a loan, or simply ask a question about your services, our dedicated staff is ready to assist you during these hours. For added convenience, we also have an ATM available on-site for quick cash withdrawals and balance checks. Please note that while we don't offer drive-thru banking at this branch, our team is always here to provide personalized service inside. If you're interested in learning more about what we offer or have any questions, feel free to give us a call at 952-933-9000. We can't wait to welcome you to Royal Credit Union in Edina come visit us today!

Member Eligibility

At Royal, we believe that everyone deserves the opportunity to join a supportive community where their financial needs come first. Becoming a member is an easy and welcoming process! If you live, work, or attend school in the areas we serve, you're likely eligible to join us. We're committed to making banking personal and accessible, which is why we offer various account options tailored to your unique lifestyle. For specific eligibility details, feel free to explore our website at http://www.rcu.org/about-royal/royal-credit-union/become-a-member. Opening an account at Royal is a breeze! You can start your journey towards membership by visiting us at our branch located at 4450 W 76Th St Edina Mn 55435, or you can begin the online application process through this link: https://www.billerpayments.com/app/enrolledwebui/#/login?bsn=rculoanpaymentsmain. If you have any questions or need assistance, don't hesitate to reach out to us at (952) 933-9000. We can't wait for you to experience the benefits of being part of our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify daily operations. Imagine having a reliable partner handling your payment processing, allowing you to focus on serving your customers. Our solutions help streamline transactions, making it easier for you to grow your revenue without getting bogged down by the details. Visit us at 4450 W 76Th St Edina Mn 55435, Edina, MN, or call us at (952) 933-9000 to learn how we can help fuel your business ambitions today!

Tailored Financing Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,918 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,433,801,712, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility

We know how important it is for members to have easy access to their funds. With ATM availability at our branch, withdrawing cash or checking balances is as simple as a quick visit or tap on your phone through our mobile app. If you have questions or want more information about any of these services, feel free to reach out! You can contact us at 952-933-9000 during our lobby hours from Monday to Friday between 8:30 AM and 5:00 PM. At Royal, we are committed to helping you achieve financial success with personalized service and comprehensive offerings tailored just for you. Join us today and discover how we can support your financial journey! For more details about becoming a member or opening an account, visit our website.

Business Banking Options

For our business members, we offer essential services like merchant services and business loans to support your company's growth. Our commitment extends beyond just providing loans; we aim to empower local businesses with the resources they need to thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's where our robust online and mobile banking services come into play. You can manage your accounts anytime, anywhere from the comfort of your home or on the go. Our platform includes features like ATM access for cash withdrawals and balance checks, ensuring that banking fits seamlessly into your life.

Personal Banking Solutions

Managing your finances should be straightforward. That's why at Royal, we offer a variety of personal banking services designed with you in mind. If you're looking to open a checking or savings account, you'll find accounts that fit different lifestyles and goals. For those considering purchasing a vehicle, our auto loans and vehicle financing options can help make your dream car a reality. Homeownership is another major milestone in life, and our mortgage loans and refinancing services are here to guide you through the process. We understand that consolidating debt can be challenging; that's why we also provide personal loans and debt consolidation solutions to help simplify your financial obligations. Plus, with our credit cards featuring rewards, you can earn while you spend.

Digital & Online Banking

Key Features for Your Convenience

Our digital banking experience includes electronic signature authorization, allowing you to sign documents securely without the hassle of printing and scanning. E-statements are also available, so you can easily view and manage your financial records online helping you stay organized while reducing paper clutter. Need to send money to a friend? With our person-to-person transfer feature, sending money is as simple as sending a text. And if you enjoy making purchases with your phone, our mobile payments feature allows you to pay quickly and securely at participating merchants.

Safe and User-Friendly Experience

We prioritize your security by implementing advanced measures that protect your information while ensuring an easy user experience. Each feature is designed with simplicity in mind, allowing even those who may not be tech-savvy to navigate our services effortlessly. At Royal, we believe that managing your finances should be straightforward. With our comprehensive suite of digital and online banking services, you're always just a few taps away from taking control of your financial life. Join us today and experience the benefits for yourself!

Financial Strength

At Royal, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial foundation, which is designed to support your needs and aspirations. With a net worth of $507,323,441, we maintain robust financial health. This strength allows us to offer better rates, lower fees, and enhanced services tailored for our members. Our net worth ratio of $946 further demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Your savings are secure with us through $1,795,145,004 in share certificates and $769,795,158 in money market shares. These offerings provide stable and rewarding growth opportunities for your hard-earned money. Unlike traditional banks, we prioritize our members. With non-member deposits at $31,998,374, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to member service is also reflected in our $467,726,403 in undivided earnings. This means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $97,770 in used auto loans and $4,692,350,119 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our impressive $36,141,946 showcases our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having a dedicated team of 794 full-time employees and 61 part-time employees, ensuring our branch is always ready to assist you with knowledgeable service. Net Shares (Funds available for lending and investments) stand at $29,141,126, while the total number of share accounts reflects the trust placed in us by our community: 628,543. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Royal is your trusted partner. Visit us at 4450 W 76Th St Edina Mn 55435 or call (952) 933-9000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Options

For business owners, our outstanding commercial loans totaling $1,433,801,712 provide the capital needed to grow and expand. If you're considering refinancing any existing loans, we have options available that could lower your payments and streamline your financial obligations. Whether you're ready to apply or just want to learn more about what we offer, feel free to reach out! You can contact us at (952) 933-9000, visit us at 4450 W 76Th St Edina Mn 55435, or explore our services online. Your financial future is important to us at Royal, and we're here to support you every step of the way.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,410,922,285 in used vehicle loans and $202,527,718 in new vehicle loans already helping members get on the road. Whether you're eyeing a reliable used vehicle or a brand-new ride, our financing options can make it happen.

Credit Lines

If you're looking for more flexibility, our credit lines provide an easy way to access funds when you need them most. With a total of $1,257,331,982 available for our members, this option allows for quick access without the hassle of traditional lending processes.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $265,752,977, make buying or refinancing simple. We provide tailored solutions to fit different budgets and situations, ensuring that your path to homeownership is as smooth as possible.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $114,373,761 in loans helping members manage their finances effectively. Our credit cards come with various benefits designed to suit your lifestyle while keeping your spending under control.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the data they see is genuine and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means every loan option is presented fairly, allowing users to choose what best fits their needs without hidden agendas. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. This feature is particularly beneficial in today's fast-moving financial landscape. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the tool's effectiveness in helping individuals secure better financial deals. To explore your options further, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers. Each loan comparison reflects current rates and terms, giving users peace of mind that they are making informed decisions based on accurate information.

Royal

Type of Loan Offerings

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Work for You

Tailored Financing Solutions

Comprehensive List Of Services

Accessibility

Business Banking Options

Digital Banking Features

Personal Banking Solutions

Digital & Online Banking

Key Features for Your Convenience

Safe and User-Friendly Experience

Financial Strength

Loan Offering

Additional Options

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

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