Royal Credit Union

What a tot waste of time and a lot of money
I have zero debt, gold brick credit score.
Pay credit cards off if used, monthly.
Hav several homes aln land and buildings.
All paid for.
2 successful businesses including a resort I built myself with my own cash.
I wanted a home equity loan.
Was constantly told all good, months later they said they wanted something re-done on the title of the house I wanted to get the loan on, I paid my lawyer a lot of money
Over a thousand dollars, then weeks later they wanted tax returns.
( Why not asking for this first)
I, being a very successful self employed businessman, said taxes don't show all I really make, was told consistently all good.
Then told no go on a equity loan on a property well higher value.
Wasted months, a lot of money.
The refused to to look at the whole picture.
How do I have what I have, cars, homes, boats property and buildings
Don't waste your time
I went to a small town local bank near my resort.
Within a week loan approval and done
Underwriter totally discrimination towards me and after asking numerous times to get a call from them.
Nothing

Darcy works in the customer service department. I called on June 10, 2025, at 3:15 pm because I had a question about a statement that was mailed to me. It was the worst customer service experience I've had, simply for asking basic questions. The representative was condescending and extremely rude; the experience was more unpleasant than a root canal procedure. Their hiring and training processes are subpar at best. Will not use this credit union. Stay away.

Terrible, terrible, terrible, awful. They mistreated and belittled me when all I asked for was help with a car dealership we were entangled with.

Honestly, my brother and I have struggled enough with losing our dad unexpectedly to a heart attack, but then RCU has done a fine job of making the loss even worse. His accounts were Payable on Death (POD), which they honored, but not before causing significant confusion despite having legal documentation. Then, to make matters worse, they stated that if we kept the accounts open, they would honor automatic payments until all matters were resolved. Instead, they stopped payments and placed holds on his outstanding checks, resulting in fees all over town. No apologies and no fee reimbursement. RCU made the loss of our father feel so much worse. Special thank you.

Excellent customer service they are always friendly and very experienced at their job.
Would highly recommend this credit union.
Thank you for being there for us.

Best Bank to work with you on all of your needs. They have set up and helped me rebuild my credit when no one else would. Very cordial staff.

This is one of the easiest companies to due business with,I called them not being a member to see if they would finance my truck after a quick response they would at a good rate.
Couldn't be happier with them

Great Credit Union. Awesome customer service. Every time I want a loan or questions answered I call somebody always answers them in a very polite way! Interest rates are always phenomenal. Even branches are super polite and fun.! I completely recommend this bank to everybody

Stay away. This is a company that hides behind fake values. As an exec once told me "were just a bank that uses the credit union label". Don't believe "values" they will cut your throat faster than wells fargo

LONG time RCU member. False positives for fraud are too common for me to continue with RCU. I buy gas at the local gas station - marked as fraud, food at the local grocer- fraud. The last straw was them turning off my card while i was hosting a dinner for clients at a restaurant. RCU will blame Visa, but whats funny is this has become so common place that i have a backup non RCU Visa card and its never been flagged. I've complained for years about this. RCU has no interest resolving this issue.

If you opened your account years ago as I did (with Realtors' Credit Union, later merged into Royal Credit Union), you quite possibly have a 4-digit member number, which is also used as your savings account number.

All you have to do to steal money from one of these savings accounts is to get their routing number (readily available from 800-341-9911 with no additional verification) and then guess a number between 0000 & 9999 that is still associated with an existing account, then Bingo! You've hit the jackpot for that account.

So far I've gotten the run-around between emails & customer service. They even had to audacity to suggest that I call the two venders where the fraudulent charges originated and negotiate directly with them. I don't think they really want to deal with & fix this problem.

Great credit union with great service. Since this is a real estate loan it should be classified with real estate and not regular installment loans.

very low interest rate for a credit card Good customer service and fairly decent credit line for not all that great of a credit score

Decent lenders that are easy to work with Affordable payments for someone who doesn't have the greatest credit score. willing to work with you

Excellent customer service, excellent products. I use their savings, checking, and credit card products. Never had an issue with anything. Had fraudulent charges a couple times, they took care of it right away. I now live about 5 hours from the closest branch, and between Kwik Trip ATM's and other credit unions, I have never had an issue. Thank you!