Royal Credit Union Colby WI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Royal at our Colby Office, where we prioritize your financial well-being and community connection. Located at 204 W Spence St, Colby, WI 54421, we have been serving our members since 1964. As a trusted credit union, we take pride in our commitment to providing personalized banking solutions that cater to the needs of our 318,645 members. At Royal, we understand that every dollar counts. That's why we manage over $5.36 billion in assets and maintain a solid net worth of $507,323,441. With total deposits reaching $295,241,638, our members can rest assured knowing their finances are secure with us. We are dedicated to helping you achieve your financial goals through various offerings, including auto loans, mortgages, and credit cards with rewards. Our team of 855 employees is led by CEO Brandon Riechers and Board President Tom Huffcutt, who are committed to fostering an environment of trust and reliability. Whether you need assistance with personal banking or business services, our knowledgeable staff is here to guide you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 204 West Spence Street, Colby, WI 54421. We invite you to experience the Royal difference today! For more information or assistance, please call us at 715-833-8111 or visit our website at www.rcu.org. Join us on this journey towards financial success your community bank is ready to serve you!

Branch History & Mission

Join Us

As we continue our journey, we invite you to become part of the Royal family. Experience the benefits of membership today whether it's personalized banking solutions or community support initiatives. Together, let's build a brighter financial future for all. For more information about joining us or exploring our services further, please visit our website or call us at 715-833-8111. Your journey toward financial wellness starts here!

Our Evolution

Over the years, Royal has grown significantly, adapting to the changing needs of our members and the community. With total assets now exceeding $5.3 billion, we have continually invested in improving our offerings and infrastructure. We understand that modern banking requires more than just traditional services; therefore, we've embraced digital advancements that make banking easier and more efficient for everyone. Our branch is conveniently located at 204 W Spence St, Colby, WI 54421, making it easy for members to visit us for their banking needs. Whether you are stopping by for personal banking services or exploring options for auto loans and mortgages, you will find a welcoming environment ready to assist you. We also offer ATM access and drive-thru banking for added convenience.

Our Mission

Royal's mission goes beyond providing financial products; we aim to make a positive impact in the communities we serve. We believe in empowering individuals through education about financial literacy and providing resources that help them thrive. Our commitment to community outreach is evident through various partnerships and initiatives aimed at supporting local organizations and events. While members can visit us at 204 W Spence St, official correspondence should be sent to 204 West Spence Street, Colby, WI 54421. We are here to provide top-notch service during our operating hours: Monday through Thursday from 8:30 AM to 5 PM, Friday from 8:30 AM to 6 PM, and Saturday from 9 AM to noon.

Branch Location & Accessibility

Come See Us!

Whether you're a long-time member or considering joining our community, we invite you to drop by or give us a call at 715-833-8111. Experience firsthand how Royal Credit Union can help simplify your banking experience. We look forward to serving you!

Easy Access and Features

Our branch is designed with your convenience in mind. We offer ample parking space right outside, ensuring you can park with ease. For our members who require additional assistance, we are proud to be ADA compliant, featuring ramps and accessible entrances. Plus, if you're in a hurry, enjoy the convenience of our drive-thru banking services for quick deposits or withdrawals without leaving your car.

Operating Hours

We know that life gets busy! That's why we're open during convenient hours: Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday mornings from 9 AM to noon. Whether you need to chat with one of our friendly staff members or complete a transaction quickly, we're here when you need us.

Services Tailored for You

At Royal Credit Union, we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and even credit cards with rewards. Our ATM is available for cash withdrawals and balance checks any time you need it. If you prefer handling things online or on-the-go, our online and mobile banking services make it easy to manage your finances from anywhere. While members can visit us at 204 W Spence St for all transactions and inquiries, please note that any official correspondence should be directed to our mailing address at 204 West Spence Street, Colby, WI 54421.

Member Eligibility

Joining the Royal community at our Colby branch is a simple and welcoming process that opens up a world of financial benefits for you! To become a member, you just need to meet a few friendly eligibility criteria. Whether you're living, working, or attending school in the area, there's a good chance you can join us. We believe in supporting our members with tailored services that truly fit their needs, so you'll find everything from personal banking solutions to auto loans and more right here. If you're ready to take the next step, opening an account is straightforward. You can find all the details you need about eligibility on our website at this link. And when you're set to open your account, simply visit this page to get started. If you have any questions or need assistance, feel free to call us at (715) 833-8111. We're excited to welcome you to Royal at 204 W Spence St, Colby, WI 54421!

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, our merchant services simplify everyday transactions for your business. Imagine seamlessly processing payments while serving customers without a hitch. Whether it's swiping cards or managing online payments, we've got you covered. Visit us at 204 W Spence St Colby Wi 54421 in Colby, or call us at (715) 833-8111 to discover how we can help your business thrive!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll find a variety of services catered just for you at Royal. Our business banking services include merchant services and business loans designed to help your business thrive. We know how challenging it can be to manage finances while running a business, so we strive to provide flexible solutions that work for you.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we have embraced technology by offering robust online and mobile banking options. With just a few taps on your phone or clicks on your computer, you can access your accounts anytime, anywhere. Need cash? Our ATMs are available for quick withdrawals and balance checks. For those who prefer in-person service, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle.

Credit Options

For those looking to consolidate debt or fund personal projects, our personal loans can provide the financial support you need without unnecessary stress. Plus, don't forget about our credit cards with rewards; they're perfect for earning while you spend!

Get In Touch

Our friendly team at Royal is always ready to assist you! If you have questions about any of our services or want to learn more about how we can help fulfill your financial needs, don't hesitate to reach out at (715) 833-8111 or visit us at 204 W Spence St Colby Wi 54421 in Colby, WI. Explore all the ways we can support you financially today! Visit our website at Colby Office for more information or stop by during our lobby hours: Monday-Thursday from 8:30 AM - 5:00 PM, Friday from 8:30 AM - 6:00 PM, and Saturday from 9:00 AM - noon. Your journey towards better banking starts here!

Personal Banking

Whether you're looking to open a new checking or savings account, our personal banking services are designed with you in mind. Imagine having an account that not only helps you save but also gives you easy access to your funds through online and mobile banking. With features like e-statements and mobile payments, managing your money has never been more straightforward. If you're considering a new vehicle, our auto loans and vehicle financing options can help make that dream car a reality. We understand that every member's situation is unique, which is why we offer personalized solutions for mortgage loans and refinancing. Whether you're buying your first home or looking to refinance your current mortgage, our team is here to guide you through every step.

Digital & Online Banking

Key Services

With our online banking platform, accessible at https://www.rcu.org/, you can easily check your account balances, transfer funds, and pay bills all in one place. Our 24/7 online banking service means you're never far from your money. Whether it's day or night, you can stay on top of your finances with just a few clicks. For added convenience, we offer person-to-person transfers. This feature allows you to send money to friends and family quickly and securely without needing cash or checks. Plus, if you're on the go, our mobile application makes it even easier to handle transactions right from your smartphone.

Security and Ease of Use

At Royal, security is a top priority. Our electronic signature authorization simplifies the process of signing documents digitally while keeping your information safe. You can also opt for e-statements, which not only help reduce paper waste but also provide instant access to your financial records anytime you need them. If you enjoy making purchases with ease, you'll love our mobile payments feature. It's quick and straightforward just tap your phone to pay! All these features are designed with you in mind, making sure that managing your finances is as hassle-free as possible. In short, whether you're at home or out and about, our digital banking services give you the tools you need for real-time account management. Experience the freedom of banking whenever and wherever it suits you with Royal!

Financial Strength

A Solid Foundation

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.

Investing in Your Future

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 your financial goals across various sectors with $97,770 in used auto loans and $4,692,350,119 in total loans and leases.

Operational Efficiency

Our commitment to operational efficiency is evident with a net income of $36,141,946, 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 who are always ready to assist you with expert advice and personalized service.

Security for Your 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.

Trust Built on Growth

Total Share Accounts: 628,543, reflect a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $29,141,126 add another layer of assurance about our ability to meet your needs now and in the future. 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 204 W Spence St Colby Wi 54421 or call (715) 833-8111 to learn more about how we can help you achieve your financial goals.

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 purchasing a brand-new model or a reliable pre-owned vehicle, our loan options are flexible and tailored to fit your budget.

Credit Lines

For those who prefer having a safety net, our credit lines are designed with your needs in mind. With a total available amount of $1,257,331,982, these lines provide you with the flexibility to borrow as needed while keeping your financial plans on track.

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 offer competitive rates and terms that can help you secure your dream home without breaking the bank.

Refinancing Options

If you're already carrying existing loans or mortgages and are looking for better rates or terms, we also offer refinancing options that can help reduce your monthly payments or overall interest costs. It's worth exploring how refinancing could benefit you financially. For more information about our loan offerings or to discuss eligibility options tailored to your situation, feel free to reach out at 715-833-8111. Our dedicated team is ready to assist you during our operating hours: M-TH 8:30 AM - 5 PM; F 8:30 AM - 6 PM; and Sat 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. We're here to support your journey toward financial stability with approachable lending solutions that meet your unique needs.

Unsecured Credit Card Loans

Managing your finances effectively is easier with our unsecured credit card loans. With a total of $114,373,761 in loans available, you can enjoy flexible terms and access to funds when you need them most. This option is perfect for those looking to consolidate debt or cover unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are seeing accurate information without hidden agendas. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This approach helps users make informed decisions based solely on the merits of each loan offer. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions empower users to compare options easily, allowing them to choose what best fits their needs. 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 underscore the effectiveness and reliability of LendMesh in helping individuals save money. 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.

Ensuring 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), ensuring fair and transparent offers. This direct sourcing guarantees that users receive up-to-date information reflecting actual market conditions.

Royal

Type of Loan Offerings

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Join Us

Our Evolution

Our Mission

Branch Location & Accessibility

Come See Us!

Easy Access and Features

Operating Hours

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking

Convenience at Your Fingertips

Credit Options

Get In Touch

Personal Banking

Digital & Online Banking

Key Services

Security and Ease of Use

Financial Strength

A Solid Foundation

Investing in Your Future

Operational Efficiency

Security for Your Savings

Trust Built on Growth

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Loan Comparisons

Join Our Community