Offers

250 Off Mortgage Closing Costs
$200 Bonus For New Checking Accounts!
$250 Off Mortgage Closing Costs
$250 Off Mortgage Closing Costs

For a limited time, we’re offering $250 off closing costs on home mortgage loans1! When paired with our great mortgage rates, this special offer will save you even more as you get ready to purchase your home. Apply for your loan online now to claim this offer!

$200 Bonus For New Checking Accounts!
$200 Bonus For New Checking Accounts!

Open a new checking account at Royal and get $200!2 Just open a new checking account, receive two payroll direct deposits, and we’ll put $200 in your savings account. It’s that easy! Open your account today to get your $200!

It’s Time To Buy A New Car or Truck!
It’s Time To Buy A New Car or Truck!

Our auto loan rates have reached a new low! If you’re considering a new car or truck, our low rates mean now is the time to get behind the wheel. Rates start at just 2.99% APR3! Apply for a loan online and save time at the dealer!

Apply Now

HELOC Promotion
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Now through October 31st you can receive an interest rate as low as 2.99% APR4 for 12 months and you’ll also receive $150 off closing costs! Current HELOC rates are as low as 4.75% APR4.  Read the full disclosures here4. If you have an existing HELOC, please contact the Royal Lending Team at 715-858-5282 or RoyalLendingTeam@rcu.org. If you would like to apply for a new HELOC, please contact the Royal HELOC Team at 715-855-2266 or MortgageFulfillmentTeam@rcu.org

Download our app today!
Download our app

Our free mobile app delivers a fast, easy-to-use experience. Log in in seconds with your fingerprint or face. Deposit a check using your device camera instead of going to an office. See your account balances and transactions at a glance. And get account notifications right on your device.

Royalty Program
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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.

Learn More

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1. Offer available for qualified borrowers only and on first lien mortgage products. Offer not valid on Home Equity Line of Credit products or any existing loans or applications in process with Royal prior to August 1, 2019. Loans eligible for this offer must have an application received between August 1, 2019 and September 30, 2019 and a completed loan closing on or before November 30, 2019. The credit is applied at the time of closing. This offer cannot be combined with any other offers. This offer is subject to termination at any time. Royal reserves the right to withhold credit if qualifications are not met based on Royal’s sole discretion. Other conditions or restrictions may apply.  NMLS Listings available here. Insured by NCUA. Equal Housing Opportunity.

2. Offer valid on new checking accounts opened August 15, 2019 through September 30, 2019 for Members who do not already have a Royal Credit Union checking account. Membership and account opening upon qualification. Existing checking accounts do not qualify. Member cannot have had a previously closed checking account with Royal in the last twelve (12) months. New checking account must receive two (2) qualifying direct deposits of at least $200 each from a direct deposit paycheck, pension payment, Social Security payment, or governmental benefits payment electronically deposited into the account from an employer or outside agency. First deposit must occur within the first sixty (60) days from account opening. Account must remain open for six (6) months. Incentive will be deposited into the tax reported for account holder’s Primary Base Savings account upon qualification. Limit of one account per Member may be included in promotion. RoyalCU reserves the right to withhold or reclaim incentive if qualifications are not met based on RoyalCU’s sole discretion. Incentive is subject to federal and state tax requirements, which are the responsibility of the account holder. RoyalCU reserves the right to terminate this promotion at any time. Offer cannot be combined with any other RoyalCU checking account offer. APY=Annual Percentage Yield. APY from 0%-0.40% available depending on checking product selected. No minimum balance to open a checking account. Minimum balance of $700 to earn APY. Fees could reduce the balance and earnings on the account. APY is accurate as of the last dividend declaration date. Rates may change after the account is opened. Other conditions or restrictions may apply. Offer not redeemable for RoyalCU team members. Refer to our disclosures and service fees for more information.​

3. APR = Annual Percentage Rate. Rates current as of 7/24/2019, valid through 9/15/2019. Last changed on 7/24/2019. 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.

4. APR=Annual Percentage Rate. APR may vary and is based on Prime Rate as published in the Wall Street Journal, plus a margin. Closing costs are applicable with a range of $150 to $350. No annual or advance fees. All loans are subject to credit and property approval. Discount APR  valid September 3 through October 31, 2019. The discounted APR offer of 2.99% will expire after twelve (12)  months and return to the then current variable rate. Current rates excluding discount offer are as low as 4.75% 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. Discount APR offer requires an advance of $5,000 or more within the first thirty (30) days of the loan closing or signed addendum on your Royal Credit Union HELOC. The required advance of $5,000 must remain as a balance on the line of credit for a minimum of thirty (30) days to qualify. Loan must be secured by the owner-occupied primary or secondary residence to qualify for the discounted APR. Limit of one account per Member may be included in promotion. Offer available on new and existing Royal Credit Union HELOC accounts. Certain exclusions may apply. Rates current as of 9/1/19. Last changed on 8/1/19. Offer subject to termination at any time without notice. Membership required and upon qualification. For more information View our disclosures and service fees.  Insured by NCUA. Equal Housing Opportunity.​