account representative

member services representative

mortgage specialist

loan specialist

specialist

Royal Credit Union

At first I loved my job. I got a long with my boss and the 3 other employees. They all taught me how to do things properly. I filed, used excel and worked up loan applications, used the blue book, did credit checks and typed up new accounts on a typewriter. I got a few small raises. I went to our department meetings that kept me past dinner, which they paid for. It all went downhill from there. I'm efficient and fast paced. My boss said I was stomping around like a child when I would walk too fast to get another application from the fax machine. They were having a hard time keeping up with my duties. I was done half way through work, so they were trying to train me on other things. Halloween, I took 3 pieces of candy from our office bowl and one of the employees I could hear telling on me, saying I put a whole bunch in my purse. I had to drive a town over from right after school to get to work, one day there was a detour which led me to the freeway. I got scolded by my boss that I should have left earlier from school, which I did do plenty of times and got detention for. I was again scolded when my car randomly broke down less than a mile away. I was told by my teacher that the agreement was if I was missing school from being sick I couldn't go to work that day, or I couldn't work past a certain time due to me being in school. Those rules protect the student, so you'd think. My mom called in to school because I was sick, I called my employer with confirmation. My teacher and boss scolded me that I can make arrangements with RCU that I can work on weekends, which I sometimes did because they called me in, or that I could work separate hours aside from the contract, whether I went to school or not. I also mentioned the late night meetings with all departments ran too late due to my parental curfew and homework. I was scolded by my teacher that my boss was bending over backwards for me and I should be more grateful instead of complaining. My favorite grandpa died.  My mom forced me to go to school. My teacher scolded me in class that I need to hold up ethics in a work environment. That's what the co-op class is, to teach work ethics. She wanted me to just sit there and act like everything was fine. I had to go to work because my mom forced me to go to school. I was doing my job, I was silent, but doing the same amount of work, just not happy. My boss came to my office, which everyone was constantly in and out of, and said to me that I can't be like this at work. That put me in tears. A seasoned co-worker later asked me what was wrong and immediately told my boss that she needed to send me home as it was my right. Then, the date was approaching of my contract ending. I was so looking forward to it. I had 2 weeks left. I was asked to train the new student. I did that for 2 weeks, the 2nd to last day my boss came to me and asked me to stay another week or so because the new student wasn't very efficient. I said I couldn't and my contract ended. So, the employee who said I stole a bunch of candy and my boss all of a sudden printed out a sheet of paper that said I didn't work the 3 weeks, as opposed to the 2, and also stated that I could not use RCU as a job reference. I was signing this as a 17 year old with no parental guidance btw. A few years later, I applied to a job that I was for sure getting. The hiring manager told me that one of the past employers said they had a lot of bad things to say about me.  I think as far as I was taught as far as ethics you aren't allowed to bash their ex employee.  I can handle a  no, but to think someone who is supposed to be more mature than me at the time, and a professional, she should have been grateful I stuck around for so long and considering the fact I was on crutches for 6 of those months, I was scolded for not wearing nylon stockings on that foot. I badly tore a tendon in co-op class on an outlet and it was too painful to dress that foot properly. I have felt so taken advantage of by my boss at that time, insensitive, and she always smelled like smoke after returning from her break. My boyfriend showed up unexpectedly on Valentines. He wanted to surprise me. My boss scolded me that I didn't tell her. Well, I didn't know, then the service desk should have called my office phone, or should not have told him to go down stairs. Yet I'm just getting scolded left and right by my teacher and boss for them trying to bend the rules on me, then have my boss win one over on me. Look, I just started my life after graduation at the time and already, this employee from RCU did the exact opposite of what real work ethics were really about, why because I wasn't going to hold my life back another week for her? My contract expired on that specified date. Yet she was trying to ruin me before my life really started, psyching me out? Making me feel like a failure. I did everything in the contract, I showed up extra days, extra hours, I went to the department meetings. I was being trained other than my job description I stayed to make up time for being a few minutes late due to school. I got lunch detention plenty of times for trying to please everyone else. From my school, the select few at this RCU location, and way back in 2001-2002, what I learned is that as a kid who is trying to be a productive part of society and learn the way of proper work force, if you excel, you will fail, not because you're bad, it's because those above you are threatened by your efficiency.

RCU's member service department claims to be a great place to work, but cannot follow through. The attendance policy may be the worst part. You are given accrued sick time, but if you call in, you get a point against you, so you get punished for using your sick time. Too many points gets you fired. Many reps I was friends with would go to work absolutely sick and miserable because they were scared of getting in trouble. Many have been told they would have been promoted if they had less attendance points. 
There is a ton to learn in this position, which I found very exciting and engaging. The trainer is wonderful. However, during the start of training, we were told we would have an "on the job trainer" for a couple weeks as we got started to give us immediate help and feedback. I had an OJT for one day and then was on my own. Management insisted they were there to help, and that it was ok if our times were bad, but I felt extremely overwhelmed. I had questions almost every call for my first week or two. I felt it was disrespecting the caller's time to have to put them on hold while I dug for answers. 
However, my immediate supervisor was amazing. I felt like she cared a lot about me as a person. She has been with RCU for quite awhile, so I felt she was knowledgeable in my job. However, when it came down to it, her hands are tied in any personal issues I would need help with, because of polices implemented by upper management. 
My coworkers were also amazing. Although I am no longer with the company, I still regularly talk to many of them. I truly feel like I was part of a team at RCU, and I've found some friends for life. 
Overall, it was not a terrible job. However, my stress levels have decreased drastically since leaving, and I would probably not recommend this job to someone I knew. 

I Love Working at Royal. My position is challenging and interesting. I am never bored at work and while there is a bit of competition for movement my teammates are extremely supportive and encouraging as well as management working with me to grow.  Opportunity for cross training in other departments is easily accessible and the executive team is transparent in how the company is doing (good and bad). Yearly goals are communicated clearly and progress is monitored and if you are behind support is available to help you succeed. 

Benefits are as good as they get for an HSA qualifying high deductible health plan. They also offer vision, dental, and life insurance. They also offer legal assistance as well as long and short term disability. They also offer some tuition reimbursement providing the devoid relevant to your job or another job within the organization. 

You start with paid vacation as well as earned paid sick time. I don’t know the exact ratio for earned sick time per hour worked but it seems to add up quickly working full time. 

After working for quite a few different companies in the Chippewa Valley I can say this is the best place I have ever worked and have no intention of ever leaving. Any cons are outweighed by all of the pros. I feel like I am valued and know I have room to grow.

Originally I LOVED  working at RCU and the culture and the energy and Senior management.  Unfortunately I was in a department at the Corporate Center where departments were run and individuals were treated very differently - depending on the manager or supervisor. Favoritism was blatant.  Some departments were not even cohesive with others. Supervisors were hired from the outside with no knowledge of the department, when there were experienced internal employees.  Unfortunately levels of management look out for their own, and protect and defend supervisors that report to them. The Team Member ends up having no where to turn when they have a valid issue.  I was so PROUD to tell others I worked for RCU, but in the end I cried as I resigned, because I was tired of not being treated like an equal and the frustration.  I am a professional with 15 years of experience and have always received rave reviews for my work, work ethic, contributions etc., aside from always being promoted within other companies. At RCU my department  was a very strange environment, which was not the least professional. I'm assuming the supervisor is still there with management defending the actions.

Everyday was a little different which I really enjoyed.  There were bills to pay on escrowed loans.  Homeowners Insurance, Mortgage Insurance, and Property Taxes.  I was also responsible for when they paid their mortgage payment on their sold loans.  When the loan was a fixed mortgage we sold the loan to Freddie Mac and it my responsibility to make sure  those payments got sent properly to Freddie Mac.  I liked the fact that management trusted me enough to give me new jobs often.  Whenever they had something that needed to be done they felt comfortable enough that I could handle it so they gave it to me and not anyone else.  
I thoroughly enjoyed my co-workers.  The hardest part of the job was tax season as we had to manually enter each persons tax amount and then cut the check and get them mailed in time for the end of the year.

Working at moholt has a culture of depending on you to take care of the member like you would like to be treated. I have grown tremendously throughout the past 9 years, learning everything I can about various types of banking products. The management at RCU is fantastic. They enjoy providing feedback and accepting your needs to learn more things. They allow you to grow and provide you more responsibility. We are a team within Moholt and the rest of the RCU employees, we all work together to provide the best service for our members. I love working with the our members, they teach me things, and I get to help them out. Sometimes it can get pretty busy with members coming in back to back and can be a little stressful in trying to get everything done by the end of the day. RCU is a great place to work and grow.

As coordinator of the Credit Card Department I researched, developed, implemented and marketed new programs associated with the credit card program.  I processed the monthly report to the board of directors on the financial status of the credit card program. 
I assisted in collections on delinquent and over limit credit cards.
I wrote legal terms and conditions for credit cards, wrote manuals and worked on fraud detection, prevention and prosecution.  I also trained staff in our department as well as 13 other offices.  Management was like a family to everyone and I couldn't wait to go to work every morning.

Royal is one of the most progressive places that I've worked. Leadership is more focused on the soft skills you bring to the team rather than your ability to "get the job done." They will train you! Excellent PTO, 401K, pet insurance, adoption assistance, and other benefits package. Generous leaders and healthy company culture. Would recommend to someone who is a caring personality who truly wants to create a positive impact in the lives they work with.

Depending on the department or branch you work at, most areas to work are really good. If you have a medical issue that requires an accommodation, they make you get a doctors note for it every 6 months. and if it at any point get worse where you are out for longer periods of time, they fire you if it becomes more than the original notes provided by your doctor. and when you ask for help you make your situation better, they tell you they wont do anything until you get better.

I was SO excited to start working for Royal! The training process was full of power points, very minimal hands on. Management was awful. I hated working there! My supervisor wasn’t a “supervisor” at all! In my opinion he didn’t like intelligence or women. Collections is about collecting debt, not about sympathy of people’s situations. My last few weeks there, it became that. We needed to be more sympathetic, if we were like that then Royal would be broke! 

Top Job Titles	Average Salary
Account representative 93 salaries reported	$20.60 per hour
Member services representative 6 salaries reported	$20.50 per hour
Mortgage specialist 5 salaries reported	$21.19 per hour
Loan specialist 8 salaries reported	$20.79 per hour
Specialist 10 salaries reported	$129,789 per year

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