Home Equity Line of Credit

Home equity loan rate promotion
Home Equity Line of Credit

Now through June 30th you can receive an interest rate as low as 2.99% APR* for 12 months and you’ll also receive $150 off closing costs! Current HELOC rates are as low as 5.00% APR*.  Read the full disclosures here.**  If you have an existing HELOC, please contact the Royal Lending Team at 715-858-5282 or If you would like to apply for a new HELOC, please contact the Royal HELOC Team at 715-855-2266 or

Royalty Program

We want to say thank you to our Members by introducing a brand new loyalty program. As a current Member you will receive advanced notice to unlock special offers especially for you! At Royal we want you to feel like royalty simply for being a loyal Member.

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**APR=Annual Percentage Rate. APR may vary. For qualified borrowers only. The discounted rate of 2.99% APR will expire after 12 months and return to the current variable HELOC rate. Current HELOC rates are as low as 5.00% APR. Rates shown are for up to 70% LTV for borrowers with 700+ credit score. The maximum interest rate of 18% may be imposed in a variable-rate plan. Finance charges of $150 may be imposed. Closing costs could range from $150-$350. Manufactured homes and vacant land qualify for 80% financing. Certain exceptions may apply. Rates current as of 4/15/19. Last changed on 12/21/18.

Rates and offer valid 4/15-6/30/2019. Subject to termination at any time.

Membership upon qualification. Minimum $5 initial deposit is required for savings account at 0.80% APY=Annual Percentage Yield. Rates are subject to change at any time without notice. Charges could reduce earnings on account.

Rates and offer valid on existing Royal Credit Union HELOC accounts.  Offer requires an advance of $5,000 or more and signed loan addendum on your Royal Credit Union HELOC secured by the owner-occupied primary or secondary residence to qualify for promotional APR. 

View our disclosures and service fees.

Transfer funds to/from your Royal Credit Union account to/from your other financial institution - Direct Payment Authorization