Royal Credit Union offers 3.77% APY on a 12-month certificate with no minimum opening balance and guaranteed returns at maturity. This is a promotional rate for members.
Eligibility
Available in 2 states
MN, WI
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Royal Credit Union 12-Month Certificate rate
- Apply through the offer page to open the 12-Month Certificate.
- Complete the requirement: No minimum opening balance.
Verification and reports
Confirmed against rcu.org on Aug 12, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: rcu.org rate page (checked Aug 12, 2026)
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