Royal Credit Union Rice Lake WI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Royal Credit Union, your trusted financial partner in the heart of Rice Lake, Wisconsin. Established in 1964, we have proudly served our community for decades, building strong relationships and helping our members achieve their financial goals. At our Rice Lake Office, located at 1421 S Main St, Rice Lake, WI 54868, we're committed to providing personalized banking solutions that cater to your needs. As a member-focused credit union with a total membership of 318,645, we take pride in our robust community presence and dedication to improving the financial well-being of those we serve. With total assets exceeding $5.36 billion and a net worth of $507 million, you can feel confident that your finances are in safe hands. Our offerings include everything from personal banking services like checking and savings accounts to auto loans, mortgages, and business banking solutions. While members can visit us at our branch location, official correspondence should be sent to the same address: 1421 South Main Street, Rice Lake, WI 54868. This ensures you stay connected with us without any hassle. Under the leadership of CEO Brandon Riechers and Board President Tom Huffcutt, our dedicated team of 855 employees is here to assist you every step of the way. We understand that banking can sometimes be overwhelming, which is why we strive to make your experience as straightforward and enjoyable as possible. With a strong focus on community impact and financial literacy, we invite you to explore all that Royal Credit Union has to offer. Whether you're looking for a loan or need advice on saving for your future, we're here for you. We encourage you to reach out at 715-833-8111 or visit our website at rcu.org for more information on how we can help you achieve your financial dreams. Join us today and become part of a credit union that truly cares about its members!

Branch History & Mission

Commitment to Accessibility

At Royal, we understand that convenience is key. Our branch features an ATM for quick cash access and drive-thru banking for straightforward transactions. We are also committed to digital advancements, offering online and mobile banking services that allow our members to manage their finances anytime, anywhere. While members can visit us at 1421 S Main St, official correspondence should be sent to 1421 South Main Street, Rice Lake, WI 54868 if needed. Our team is here during operating hours from Monday through Friday from 8:00 AM to 5:30 PM and Saturday from 8:00 AM to noon.

Join Us

We invite you to become a part of our story at Royal. Experience firsthand how our dedicated team can help you navigate your financial journey while making a positive impact in the community. Whether you're looking for personal banking solutions or business services, we are here for you every step of the way. To learn more about membership or open an account today, visit us online at Royal Credit Union or call us at 715-833-8111. Together, let's build a brighter future!

Our Journey

Located at 1421 S Main St, Rice Lake, WI 54868, our branch has been a cornerstone of financial support for individuals and families in Barron County for nearly six decades. Over the years, we've expanded our services and enhanced our offerings to meet the changing needs of our members. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we strive to provide accessible solutions that empower our members to achieve their financial goals. Our mission is simple yet powerful: to enrich the lives of our members and the communities we serve. We believe that strong financial services should go hand-in-hand with community support. That's why we actively engage in outreach programs and partnerships that uplift those around us, ensuring that everyone has access to the resources they need.

Branch Location & Accessibility

Welcome to the Royal Credit Union's Rice Lake Office, conveniently located at 1421 S Main St in the heart of Rice Lake, WI. Our branch is easily accessible for all members and visitors, ensuring that your banking needs are met with ease and comfort. Whether you're a long-time member or new to our community, we invite you to stop by and see what we have to offer. While you can visit us at our main location, please note that any official correspondence should be sent to our mailing address: 1421 South Main Street, Rice Lake, WI 54868. This helps us keep everything organized and ensures your messages reach us without delay. Nestled in Barron County, our branch is close to popular landmarks such as the Rice Lake City Park and the local library. It's a bustling area, making it a perfect spot for quick stops before or after running errands. We strive to provide easy parking options right outside the entrance, along with ADA-compliant accessibility features, including ramps for those who need them. Our operating hours are designed to accommodate your busy schedule. We're open Monday through Friday from 8:00 AM to 5:30 PM, so you can swing by during your lunch break or after work. On Saturdays, enjoy our Drive-Thru service available from 8:00 AM until noon ideal for those quick transactions without leaving your car. At Royal Credit Union, we offer various services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need cash? Our ATM is available on-site for easy withdrawals and balance checks. Plus, with our drive-thru banking services, simple transactions like deposits and withdrawals have never been more convenient. If you have any questions or need assistance, don't hesitate to call us at 715-833-8111. Our friendly staff is ready to help you navigate your financial journey. We look forward to welcoming you into our branch!

Member Eligibility

At Royal, we believe that everyone deserves a chance to be part of a supportive community that looks out for one another. Becoming a member is an easy and welcoming process! If you live, work, or attend school in the area, you're likely eligible to join us. We also embrace family members of current members, making it even easier for your loved ones to access our helpful services. For a complete overview of eligibility criteria, feel free to check out this resource: http://www.rcu.org/about-royal/royal-credit-union/become-a-member. Joining Royal opens the door to numerous advantages like competitive loan rates, personalized financial advice, and a range of banking services tailored just for you. Plus, our friendly team is here to guide you every step of the way. Ready to start? Opening an account is simple just visit us at 1421 S Main St Rice Lake Wi 54868 or give us a call at (715) 833-8111. You can find more details on how to open your account right here: https://www.billerpayments.com/app/enrolledwebui/#/login?bsn=rculoanpaymentsmain. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Financing 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.

Merchant Services Made Simple

Alongside our loan offerings, we provide essential merchant services that allow you to accept payments easily and efficiently. Imagine being able to focus on what you do best running your business while we handle your payment processing needs. This means less time worrying about transactions and more time dedicated to serving your customers. Located at 1421 S Main St Rice Lake Wi 54868, Rice Lake, WI 54868, we're here to partner with you every step of the way. Let's work together to fuel your business ambitions!

Comprehensive List Of Services

Additional Services

Our branch also provides basic ATM access for quick withdrawals and balance checks whenever you need them. With our drive-thru service available on Saturdays until noon, there's always a way to connect with us that fits into your schedule. If you're ready to explore all that Royal has to offer or have questions about specific services, don't hesitate to reach out! Call us at 715-833-8111 or visit us at 1421 S Main St Rice Lake Wi 54868. We're excited to serve you and help navigate your financial journey together! For more details about becoming a member or opening an account online, check out our website. Your financial future starts here!

Business Banking

For our business members, we provide essential services like Merchant Services & Business Loans. Whether you're starting a new venture or looking to expand an existing one, our tailored solutions can help drive your success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, with access to ATMs for cash withdrawals and basic drive-thru banking for deposits and simple transactions, managing your finances has never been easier.

Credit and Rewards

To make your spending rewarding, we offer Credit Cards with Rewards. Imagine earning points for every purchase you make points that can lead to cash back or travel perks!

Personal Banking Solutions

When it comes to personal banking, we offer Checking & Savings Accounts tailored to meet your needs. For instance, if you're saving up for a dream vacation or simply want to keep your everyday spending organized, our accounts are designed with you in mind. Additionally, we understand that buying a car can be exciting yet daunting. That's why our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without breaking the bank. Are you considering homeownership? Our Mortgage Loans & Refinancing services provide flexible terms and competitive rates to help you secure your perfect home. And if life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options are here to help you manage those challenges effectively.

Digital & Online Banking

Accessible and Easy-to-Use

We believe in making banking accessible for everyone. Our services are designed with ease-of-use in mind, so you can manage your finances in real-time without any stress. No matter where life takes you, Royal is here to support your financial journey every step of the way. Explore all that our digital banking services have to offer by visiting us at https://www.rcu.org/ today!

Key Features of Our Digital Banking

Our digital banking platform is not just convenient; it's also secure. We utilize advanced security measures to protect your information, so you can feel confident while using our services. You can sign documents electronically with our electronic signature authorization, making transactions quick and hassle-free. Plus, you can easily view your financial statements with e-statements, helping you keep track of your spending without the clutter of paper. If you're always on the go, our mobile application allows you to manage your accounts right from your smartphone. With features like mobile payments, sending money has never been easier. You can make person-to-person transfers in just a few taps, whether you're splitting a bill with friends or sending money to family.

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 committed to ensuring your trust in us by maintaining robust financial health, so you can feel confident in your banking choices. 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. 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. 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. Furthermore, with $97,770 in used auto loans and $4,692,350,119 in total loans and leases, our lending capacity supports members' financial goals across various sectors. 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. Net Shares (Funds available for lending and investments): $29,141,126. Total Share and Deposit Accounts: 628,543, showing a strong and growing member base that trusts us with their finances. 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 1421 S Main St Rice Lake Wi 54868 or call (715) 833-8111 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

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 used vehicle, our team is here to help guide you through the process.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $1,433,801,712 provide the capital needed to expand and invest in your enterprise. Our team understands the unique challenges faced by businesses today and is dedicated to offering personalized support throughout the lending process. At Royal located at 1421 S Main St Rice Lake WI 54868, we are committed to helping our members succeed financially. Our friendly staff is always ready to assist you with any inquiries or applications you may have. Feel free to reach out to us at 715-833-8111 during our operating hours: Monday through Friday from 8:00 AM to 5:30 PM and Saturday from 8:00 AM until 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 look forward to partnering with you on your journey toward financial empowerment!

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 aim to provide affordable solutions for first-time buyers and seasoned homeowners alike. If you're considering refinancing your current mortgage or are unsure of your eligibility for a new one, our specialists can help clarify your options and find the best fit for your financial situation.

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 come with rewards that can benefit you as you make everyday purchases while maintaining control over 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 our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" 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 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 commitment to integrity means users can trust the information they receive.

Royal

Type of Loan Offerings

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Commitment to Accessibility

Join Us

Our Journey

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Financing Your Growth

Merchant Services Made Simple

Comprehensive List Of Services

Additional Services

Business Banking

Convenient Digital Banking

Credit and Rewards

Personal Banking Solutions

Digital & Online Banking

Accessible and Easy-to-Use

Key Features of Our Digital Banking

Financial Strength

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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