Royal Credit Union White Bear Lake MN | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Royal, your trusted financial partner located at 1400 Highway 96 E, White Bear Lake, MN 55110. Established in 1964, our credit union has grown alongside our community, proudly serving over 318,645 members. With total assets exceeding $5.36 billion, we are committed to providing you with exceptional financial services tailored to your needs. At Royal, we understand the importance of building strong relationships. Our dedicated team of 855 employees, led by CEO Brandon Riechers and Board President Tom Huffcutt, is here to ensure you receive personalized service that makes banking easy and accessible. Whether you're looking for a new auto loan among our impressive 230,650 loans and leases or want to explore our competitive savings options, we've got you covered. While members can visit us at our branch address, official correspondence should be sent to the same location: 1400 Highway 96 E, White Bear Lake, MN 55110. With total deposits of $295,241,638 and cash in hand amounting to $35,908,334, we have the resources to support your financial goals. Our commitment extends beyond just numbers; we strive to positively impact our community and empower our members every day. Explore what makes us different by visiting our website at www.rcu.org or calling us at 715-833-8111 during our operating hours: Monday through Friday from 8 AM to 5:30 PM and Saturday from 9 AM to noon. Join us today and experience the Royal difference!

Branch History & Mission

Community Impact

Community engagement is at the core of what we do. We actively participate in outreach efforts that uplift local initiatives and support those in need. By partnering with various organizations and participating in community events, we aim to make a positive difference right here in White Bear Lake. As we look forward to the future, we invite you to join us on this exciting journey. Experience the benefits of membership at Royal by visiting us or exploring more about what we offer through our website at rcu.org. Together, let's build a brighter financial future!

Our Mission

The mission of Royal is clear: to provide personalized financial solutions that enhance the lives of our members while supporting the communities we serve. We believe in building relationships based on trust and transparency, ensuring that every member feels valued and heard. Our array of services includes personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit card rewards programs. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 1400 Highway 96 E, White Bear Lake, MN 55110. We embrace innovation as part of our service model. With digital banking capabilities like online banking and mobile payments, along with traditional services such as ATM access and drive-thru banking for convenient transactions, we strive to meet the diverse needs of our members.

Branch Location & Accessibility

Accessibility Features

At Royal, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces that ensure everyone can enjoy our services without any difficulty. Parking is ample, making it convenient for you to pop in anytime.

Call to Action

We invite you to stop by the Royal Credit Union White Bear Lake Office today! Our dedicated team is ready to assist you with any questions or needs you may have. Give us a call at 715-833-8111 if you'd like more information before your visit. We look forward to welcoming you soon!

Operating Hours

We know that life can be busy, so we offer flexible operating hours for your convenience. Our lobby is open Monday through Friday from 8 AM to 5:30 PM, and on Saturdays from 9 AM to noon for drive-thru banking. This means you can manage your finances when it suits you best!

Services Offered

While you're here, take advantage of a variety of services designed just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need quick cash? Our ATM is available for easy withdrawals and balance checks. Plus, if you're looking for simplicity in transactions like deposits or withdrawals, our drive-thru service makes it fast and easy.

Member Eligibility

At Royal, we believe in creating a welcoming community where everyone has the chance to thrive. Becoming a member is simple and open to anyone who lives, works, or worships in our service area. Whether you're looking for financial guidance, affordable loans, or just a place to grow your savings, joining us means you'll be part of a supportive network that cares about your financial well-being. To learn more about the specific eligibility criteria, feel free to visit our website at http://www.rcu.org/about-royal/royal-credit-union/become-a-member. We invite you to take this exciting step towards better banking! When you're ready to open an account, the process is straightforward and can be done online or in-person at our branch located at 1400 Highway 96 E White Bear Lake Mn 55110. Our friendly staff is here to assist you with any questions along the way just give us a call at (715) 833-8111. We're excited to have you join the Royal family!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine running your retail store smoothly while accepting payments from various sources without hassle. Our merchant services allow you to process transactions easily, whether through credit cards or mobile payments. This means more convenience for your customers and more revenue for your business. Located at 1400 Highway 96 E White Bear Lake Mn 55110, White Bear Lake, MN, we're here to partner with you on your journey toward success. Let's work together to build a bright future for your business!

Supporting Your Growth

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 Matters

We prioritize accessibility at Royal Credit Union. Whether you prefer visiting us in person during our lobby hours (Monday through Friday from 8 AM to 5:30 PM) or using our drive-thru service on Saturdays from 9 AM to noon, we make banking easy for everyone. If you're ready to take the next step towards better financial management or have questions about any of our services, don't hesitate to reach out! Call us at 715-833-8111 or visit us online at rcu.org for more information. Your financial journey begins here at Royal Credit Union where we put members first!

Business Banking Services

For business owners, we understand that managing cash flow can be challenging. That's why we offer comprehensive business banking services, including merchant services and business loans. These tools can support your operations and help your business thrive.

Digital Banking Features

In this digital age, convenience is key. With our robust online and mobile banking platforms, managing your accounts has never been easier. You can check balances, transfer funds, and even pay bills right from your smartphone or computer. Our ATM services allow for quick cash withdrawals whenever you need them. And if you're on the go, use our basic drive-thru banking for quick deposits and withdrawals.

Personal Banking Solutions

In today's fast-paced world, managing your finances should be simple and convenient. At our White Bear Lake Office, we offer various personal banking options, including checking and savings accounts that help you save while earning interest. If you're in the market for a vehicle, our auto loans and vehicle financing make it easy for you to get behind the wheel without breaking the bank. Have you been thinking about buying a home? Our competitive mortgage loans and refinancing options can help you take that big step with confidence. Plus, if you're juggling expenses or dealing with debt, consider our personal loans and debt consolidation services to regain control over your finances.

Rewards That Matter

Credit cards can be beneficial when used wisely. We provide credit cards with rewards that let you earn points on everyday purchases perfect for those who love to travel or shop. Our credit cards are not just about spending; they come with features designed to benefit you.

Digital & Online Banking

Accessibility and Real-Time Management

With Royal, accessing your financial information is simple and straightforward. Our online banking services empower you to manage your accounts in real time. Whether you're checking on recent transactions or setting up automatic payments, everything is designed for ease of use. In today's fast-paced world, being able to manage your finances securely from home or while on the go is essential. At Royal, we're here to support you every step of the way with our comprehensive digital banking services.

User-Friendly Features

Managing your finances has never been easier! Our mobile application allows you to bank on the go, giving you the power to handle transactions right from your smartphone. Plus, if you're always on the move, you'll appreciate our mobile payments feature, which lets you make quick and secure purchases directly from your device. We also prioritize your security with electronic signature authorization. This means you can sign documents digitally without needing to visit a branch in person. And for those who prefer paperless options, e-statements are readily available so you can view your account statements online anytime.

Financial Strength

A Growing Community

Our total share accounts stand at 628,543, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $29,141,126, we remain dedicated to serving your needs effectively. 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 1400 Highway 96 E White Bear Lake Mn 55110 or call (715) 833-8111 to learn more about how we can help you achieve your financial goals.

Investment in 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 commitment to growth is also reflected in our lending capacity; we have $97,770 in used auto loans and $4,692,350,119 in total loans and leases available to support your financial goals across various sectors.

Member-Focused Savings

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.

Operational Efficiency

Our $36,141,946 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also 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.

Strong 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 new or used vehicle, our flexible terms make it easy to find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $1,433,801,712 provide the capital needed to grow and expand your business. We understand that every business is unique; that's why our loan solutions are tailored to meet your specific needs. If you're considering refinancing or want more information about eligibility options for any of these products, feel free to reach out! You can call us at (715) 833-8111 during our operating hours from Monday to Friday 8 AM - 5:30 PM and Saturday from 9 AM - noon. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Royal Credit Union, we're dedicated to supporting you in every step of your financial journey.

Credit Lines

For those looking for additional financial flexibility, we have credit lines totaling $1,257,331,982 available. This option can be ideal for unexpected expenses or planned projects.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $265,752,977, making buying or refinancing simple. We provide various options to fit different financial situations and are here to guide you through each step of the process.

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. These cards are designed to provide convenience and security for your everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency. You know where your information is coming from. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This helps you find the best rates without any hidden agendas. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping you make informed decisions quickly. 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 effectiveness of using LendMesh as your go-to tool for finding competitive loan rates. 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: NCUA), ensuring fair and transparent offers. This means you can trust that the information you receive is both current and accurate.

Royal

Type of Loan Offerings

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Community Impact

Our Mission

Branch Location & Accessibility

Accessibility Features

Call to Action

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make Sense

Supporting Your Growth

Comprehensive List Of Services

Accessibility Matters

Business Banking Services

Digital Banking Features

Personal Banking Solutions

Rewards That Matter

Digital & Online Banking

Accessibility and Real-Time Management

User-Friendly Features

Financial Strength

A Growing Community

Investment in Growth

Member-Focused Savings

Operational Efficiency

Strong Financial Health

Loan Offering

Auto Loans

Business Financing

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

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