Hello Tony,
The on-chip loose-tolerance ring oscillator runs at approximately 40 kHz and comes up first. It is affected by process, voltage and temperature variations, so there is not a defined accuracy and using an external crystal is strongly recommended, especially if you wish to keep a RTC clock.
The oscillator itself has a tolerance of the ± 50% which means the clock can vary from 20 KHz to 60 KHz, which is why it's not really suitable keep an RTC up to date.
I hope this helps!
Regards,