Royal Credit Union Saint Paul MN | Top Checking & Auto Loans

Introduction

Welcome to Royal, your trusted financial partner located at 2640 Rice St, Saint Paul, MN 55113. Since our establishment in 1964, we have been dedicated to serving our community and providing exceptional financial services tailored to meet your needs. With a robust membership of 318,645 and total assets exceeding $5.36 billion, we take pride in being a pillar of support for individuals and families alike. At Royal, we understand that every member has unique financial goals. Whether you're looking to open a checking account, secure an auto loan, or explore mortgage options, our experienced team is here to guide you every step of the way. We currently manage over $295 million in deposits and have granted more than 230,650 loans, demonstrating our commitment to empowering members through accessible financing solutions. Under the leadership of our CEO, Brandon Riechers, and Board President, Tom Huffcutt, we strive to create a welcoming environment where everyone feels valued. Our dedicated staff of 855 employees is passionate about helping you achieve your financial aspirations while ensuring transparency and trust in every transaction. While members can visit us at our branch on Rice St., official correspondence should be sent to our mailing address: 2640 Rice St, Saint Paul, MN 55113-3712. If you have any questions or would like to learn more about our services, feel free to give us a call at 952-933-9000 during our operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 12 PM. Join us at Royal today and experience the difference of being part of a credit union that truly cares about its members. Explore what we offer by visiting our website at www.rcu.org or stop by for a friendly chat with one of our representatives!

Branch History & Mission

Join Us

We invite you to experience the difference that comes with being a member of Royal Credit Union. With operating hours from Monday to Friday 9:00 AM - 6:00 PM and Saturday from 9:00 AM - 12:00 PM, we're here when you need us most. Visit us today or call at 952-933-9000 to learn more about how we can assist you in achieving your financial goals. Together, let's build a brighter future!

Our Evolution

Over the years, Royal has grown significantly, with our membership now exceeding 318,000 individuals. This growth reflects not only our dedication to excellent service but also the trust our members place in us. With total assets reaching an impressive $5.36 billion, we continue to thrive and adapt to meet the needs of our community. Our journey has seen us innovate in banking practices while maintaining our focus on personal relationships. Our location on Rice Street is convenient for all who live nearby. While you can visit us at this address for your banking needs, official correspondence should be directed to our mailing address: 2640 Rice St, Saint Paul, MN 55113-3712.

Our Mission

At Royal Credit Union, our mission goes beyond just providing financial services; we aim to enhance the lives of those we serve. We believe that everyone deserves access to fair financial opportunities, and we strive to support individuals and families through various offerings like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We are committed to being a part of the Saint Paul community through partnerships and outreach initiatives that help uplift local organizations and causes. Whether it's sponsoring local events or volunteering time for community projects, we aim to make a meaningful impact on the lives of our members and neighbors. In addition to traditional banking methods, we embrace digital advancements to ensure convenience for all members. From online banking and mobile payments to e-statements and person-to-person transfers, our services are designed with you in mind. Furthermore, our facilities comply with ADA standards so that everyone can comfortably access our services.

Branch Location & Accessibility

ATM Availability

Need cash or want to check your balance? Our branch also features an ATM that's accessible anytime for your convenience. While members can visit us at 2640 Rice St, official correspondence should be sent to the same address as our mailing address: 2640 Rice St, Saint Paul, MN 55113-3712. We invite you to explore a range of personal banking services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. If you have questions or need assistance, feel free to call us at 952-933-9000. Stop by today we look forward to welcoming you into our Royal family!

Convenient Access and Amenities

Finding us is easy! We offer ample parking spaces and our location is fully compliant with ADA standards, ensuring everyone can access our services comfortably. For those on the go, our drive-thru banking service is available for quick deposits, withdrawals, and other simple transactions without leaving your car.

Operating Hours That Fit Your Schedule

Our lobby hours are designed to accommodate your busy life. We're open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 12:00 PM. Whether you need assistance during the week or prefer a Saturday visit, we're here for you!

Member Eligibility

Becoming a member of Royal is more than just opening an account; it's about joining a community that cares. If you live, work, worship, or go to school in the areas we serve, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life because we believe everyone deserves access to quality financial services. At Royal, you'll enjoy a range of benefits like competitive loan rates, personalized service, and community-focused initiatives. To learn more about the specific eligibility criteria, feel free to check out our details at http://www.rcu.org/about-royal/royal-credit-union/become-a-member. Ready to get started? Opening your account is easy! Just visit us at our branch located at 2640 Rice St Saint Paul Mn 55113, or give us a call at (952) 933-9000 if you have any questions. You can also find more information about account opening online at https://www.billerpayments.com/app/enrolledwebui/#/login?bsn=rculoanpaymentsmain. Join us today and experience the difference of being part of the Royal family!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments easily from customers whether in-store or online. Our services help you manage transactions efficiently, allowing you to focus on what matters most: running your business. Visit us at 2640 Rice St Saint Paul Mn 55113 in Saint Paul, MN or call us at (952) 933-9000 to learn more about how we can support your business journey!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM availability means you have access to funds whenever you need them. Additionally, our basic drive-thru banking offers convenient service for deposits, withdrawals, and simple transactions without leaving your vehicle. At Royal, we're not just about transactions; we're about building relationships with our members. We invite you to visit us at the St. Paul Office, where our friendly staff is ready to assist you during our lobby hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 12 PM. If you're interested in becoming a member or learning more about how we can assist you financially, please call us at 952-933-9000 or visit us online at www.rcu.org. Let us be your partner in achieving financial success!

Business Banking Solutions

At Royal, we understand that running a business comes with its own set of challenges. That's why we offer comprehensive business banking services, including merchant services and business loans, designed to support your growth and success.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking solutions that allow you to manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, handling your money has never been easier. You can check balances, make deposits, and pay bills all from the comfort of your home or on the go.

Personal Banking Services

Our personal banking services cater to individuals and families alike. We offer checking and savings accounts designed for everyday needs and long-term goals. Need a reliable way to finance your next car? Our auto loans and vehicle financing options are flexible, making it easier for you to drive away in the car you want. If you're considering buying a home, our mortgage loans and refinancing solutions can help turn that dream into reality with competitive rates and personalized guidance. For those managing multiple expenses or consolidating debt, our personal loans can provide the financial relief you need. Plus, with our credit cards that offer rewards, you can earn points for everyday purchases making every dollar count!

Digital & Online Banking

Key Services

With our online banking platform, you can easily check your account balances, pay bills, and transfer money all with just a few clicks. Whether you're at home or on the go, managing your finances has never been easier. You can even enjoy the benefits of e-statements, which help you keep track of your transactions without the clutter of paper statements. Security is a top priority for us. Our electronic signature authorization feature allows you to sign documents digitally, making the process smoother and safer. Plus, with our robust security measures in place, you can rest assured that your personal information is well protected.

Mobile Features

For those who prefer banking on their smartphones, our mobile application provides a user-friendly experience right in the palm of your hand. You can make mobile payments quickly and securely, ensuring that you never miss a beat when it comes to your financial obligations. Need to send money to a friend? Our person-to-person transfers feature makes it simple and fast. Our commitment to providing 24/7 online banking services means you're never limited by business hours. Whether it's early morning or late at night, you have full access to your accounts whenever you need it. In summary, at Royal, we're dedicated to offering accessible, user-friendly digital banking solutions that empower you to take control of your financial journey with ease and confidence. Visit us online today at https://www.rcu.org/ and discover how we can support your banking needs!

Financial Strength

Commitment to Growth

With $467,726,403 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $97,770 in used auto loans and $4,692,350,119 in total loans and leases. Our operational efficiency is reflected in our $36,141,946, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 794 full-time employees and 61 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts: 628,543, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $29,141,126, further illustrating our commitment to your financial needs. 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 2640 Rice St Saint Paul Mn 55113 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.

Secure Savings Options

Members' savings are secured through $1,795,145,004 in share certificates and $769,795,158 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $31,998,374, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $507,323,441, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $946 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

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 interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to assist you throughout the process.

Commercial Loans

For business owners, our outstanding commercial loans totaling $1,433,801,712 provide the capital needed to grow and expand. We work closely with local businesses to understand their unique needs and provide financing solutions that support their ambitions.

Get Started Today!

If you're ready to explore your options further or have questions about any of our loan products, don't hesitate to reach out! You can contact us at (952) 933-9000, visit us at our branch located at 2640 Rice St Saint Paul Mn 55113, or learn more on our website at https://www.rcu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial journey let's work together towards your goals!

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 personalized service to ensure you find the right solution for your situation. If you're considering refinancing your existing mortgage, we can discuss eligibility options that may lower your monthly payments or give you access to cash.

Personal Loans and Credit Lines

For those unexpected expenses or planned projects, our unsecured credit card loans total $114,373,761 and come with flexible terms that help you manage your finances effectively. If you prefer more structured payments, consider our personal loans or credit lines which can be tailored to fit your budget.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, enabling informed decision-making. 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!" This kind of feedback highlights the effectiveness and reliability of the platform. 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 Loan 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 ensures that all offers are fair and transparent. By relying on verified institutions, LendMesh provides users with accurate and trustworthy information.

Royal

Type of Loan Offerings

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Join Us

Our Evolution

Our Mission

Branch Location & Accessibility

ATM Availability

Convenient Access and Amenities

Operating Hours That Fit Your Schedule

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

ATM & Drive-Thru Services

Business Banking Solutions

Digital Banking Features

Personal Banking Services

Digital & Online Banking

Key Services

Mobile Features

Financial Strength

Commitment to Growth

Growing Member Base

Secure Savings Options

Solid Financial Health

Loan Offering

Auto Loans

Commercial Loans

Get Started Today!

Mortgage Loans

Personal Loans and Credit Lines

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

Join Our Community