Term
APR1
Monthly Payment2
36 Months
2.29%
$28.77
48 Months
2.75%
$22.03
60 Months
2.99%
$17.97
72 Months ($10,000 Minimum)
3.99%
$15.64
Term
APR
Monthly Payment
24 Months
2.29%
$42.67
36 Months
2.29%
$28.77
48 Months
3.29%
$22.26
60 Months
3.49%
$18.19
72 Months
4.49%
$15.87
Term
APR
Monthly Payment
36 Months
2.29%
$28.77
48 Months
3.49%
$22.26
60 Months**
3.99%
$18.41
72 Months ($10,000 Minimum)
4.29%
$15.78
84 Months ($10,000 Minimum)
4.49%
$13.90
Term
APR
Monthly Payment
24 Months
6.99%
$44.77
36 Months - $700 minimum
7.99%
$31.33
48 Months - $1400 minimum
8.49%
$24.64
Margin
Rate
Personal Line of Credit - $5000 minimum
4.25%
8.50%
 
Kwik Cash
18.00% APR
Type
APR
Monthly Payment
Personal - Royal Credit Union Platinum Rewards Visa
8.75%
2% of balance or $25
Commercial Rewards Visa
8.75%
2% of balance or $10.00
Term
APR
Rate
Monthly Payment
30-year fixed
3.981%
3.875%
$588
20-year fixed
3.770%
3.625%
$733
15-year fixed
3.309%
3.125%
$878
10-year fixed
3.392%
3.125%
$1214
Rates effective as of: 9/25/17, 8:30 am CT. The quotes above are based on a loan amount of $125,000 for the purchase of a single family primary residence. Interest Rate, Points and Annual Percentage Rate (APR) are subject to change without notice.
Fixed Rate IRAs - Invest $1000 or more
Term
Dividend Rate
APY
1-year
1.25%
1.26%
18 month
1.35%
1.36%
24 month
1.50%
1.51%
30 month
1.65%
1.66%
36 month
1.80%
1.81%
4 year
1.90%
1.92%
6 year
1.95%
1.97%

Easy Save IRAs
Investment
Dividend Rate
APY
$5-$2499.99
.70%
.70%
$2500 or more
.70%
.70%

Variable Rate IRAs - $5 or more
Term
Dividend Rate
APY
2 Year
.90%
.90%
Investment
Dividend Rate
APY
$9,999.99 or less
.70%
.70%
$10,000 - $24,999.99
.80%
.80%
$25,000 - $99,999.99
.90%
.90%
$100,000 or more
.95%
.95%
Term
Dividend Rate
APY
3 Month
.70%
.70%
6 Month
1.00%
1.00%
1 Year
1.25%
1.26%
18 Month
1.35%
1.36%
24 Month
1.50%
1.51%
30 Month
1.65%
1.66%
36 Month
1.80%
1.81%
4 Year
1.90%
1.92%
6 Year
1.95%
1.97%
Product
Dividend Rate
APY
Savings
.70%
.70%
Smart Checking Plus
.40%
.40%
Royal Advantage Plus
.40%
.40%
Investment
Dividend Rate
APY
$999.99 or less
.70%
.70%
$1,000-$4,999.99
.70%
.70%
$5,000-$9,999.99
.70%
.70%
$10,000 or more
.75%
.75%

Fixed Rate HSA Certificate
Invest $1,000 or more
Term
Dividend Rate
APY
1 Year
1.25%
1.26%


1APR = Annual Percentage Rate. Rates current as of 2/27/2016. Last changed on 1/04/2016. The above rates are subject to change at any time without notice. Rates subject to credit approval. Down payment requirements may apply. Rates shown are lowest possible rate.Other rates and terms are also available.
2Monthly payment is based on payment per $1,000 for APR rate and term.
3Boats, RVs, travel trailers, and motor homes can amortize up to 180 months with a five-year balloon at a 0.5% higher rate than the 60-month term. Balloon loans DO NOT qualify for GAP with ADR coverage.
4Royal Credit Union's Personal Line of Credit is available to well-qualified borrowers. Variable rate is adjusted monthly based on Prime. Minimum $5,000 borrowed; no minimum draw amount. Annual Percentage Rate (APR) is Prime plus a margin, with margin beginning at 4.25%.
5APR is Annual Percentage Rate. APR is variable and may be adjusted quarterly based on Prime rate. Cash advance fee is 3% of transaction amount with $10 minimum, $75 maximum; foreign transaction fee is up to 2%. No annual fee. Funds federally insured by NCUA. 
6Rate and Payment will apply over the term of the loan. The Payment reflects a monthly payment of principal and interest.  Real estate taxes, property insurance, flood and mortgage insurance (if applicable) are not included in the monthly payment amount.  Your actual payment amount may be higher.  An escrow account may be required. If the Loan is an Adjustable Rate Loan, a current Index and Margin were used to display potential future Rate and/or Payment changes. The quotes above are based on a loan amount of $125,000 for the purchase of a single family primary residence. Interest Rate, Points and Annual Percentage Rate (APR) are subject to change without notice. Your actual Rate, Points and/or APR will be based on your final loan amount and finance charges.
7APY = Annual Percentage Yield. Rates current as of 9/7/2017. Last changed on 9/7/2017. The above rates are subject to change at any time without notice. Substantial penalty for early withdrawal.
8APY = Annual Percentage Yield. Rates current as of 9/7/2017. Last changed on 9/7/2017. The above rates are subject to change at any time without notice. Minimum balance of $100 to open certificate and to earn dividends. Dividends calculated daily, compounded and paid monthly. Substantial penalty for early withdrawal. Charges could reduce the earnings on the account. Amounts over $250,000 are subject to Royal’s discretion.