# Royal Credit Union 12-Month Certificate: 3.77% APY

Canonical: https://dealaka.com/offers/royal-credit-union-12-month-certificate-rate

- Status: Limited reports
- Bonus: 3.77% APY
- APY: 3.77% (12-month term)
- Requirement: No minimum opening balance
- Expires: no published end date
- Availability: MN, WI (MN, WI)
- Institution: Royal Credit Union
- Verified: Aug 12, 2026 against rcu.org
- Field reports: 0

## Summary
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.

## Requirements
1. Apply through the offer page to open the 12-Month Certificate.
2. Complete the requirement: No minimum opening balance.

## Sources
- rcu.org rate page <https://www.rcu.org/royalty> (checked Aug 12, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._