RCU, also known as Royal Credit Union, is a nonprofit financial cooperative that was established in 1964. It operates more than 27 member groups and over 106,000 community members. The credit union is located in Eau Claire, Wis. It provides various financial services and various types of checking and savings accounts, such as such as free, checking plus and investment checking. The union s money market account features unlimited deposits and helps members to earn dividends and higher rate of interest. Additionally it offers business checking accounts that offer electronic access and high rate of interest. It also offers a business check card for withdrawals from various 24-hour ATMs and computerized systems for payment of business bills. Additionally, its Kwik Cash service keeps track of minimum balance by offering overdraft protection and automatic transfer of money up to a specific preapproved amount to checking account. RCU also offers various credit cards such as RCU Prepaid Visa Card for shopping purposes that is accepted worldwide. It also offers home equity loans, student and vehicle loans, online banking, insurance services and financial advice on investment choices. RCU offers individual retirement accounts, United States saving bonds and share certificates.