Royal Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
XCEL ENERGY SKYPARK	1414 W HAMILTON AVE, EAU CLAIRE, WI 54701	View Lobby Hours
Flynn Elementary RCU	1430 Lee St, Eau Claire, WI 54701	View Lobby Hours
St. Croix Falls Middle School RCU	740 Maple Dr, Saint Croix Falls, WI 54024	View Lobby Hours
Hudson Office	2501 Hanley Rd, Hudson, WI 54016	View Lobby Hours
Roosevelt RCU	3010 8th St, Eau Claire, WI 54703	View Lobby Hours
St. Croix Falls Office	2071 Glacier Dr Ste 10, Saint Croix Falls, WI 54024	View Lobby Hours
Osceola Office	500 Chieftain St, Osceola, WI 54020	View Lobby Hours
Rocky Branch Elementary RCU	1415 Bartosh Ln, River Falls, WI 54022	View Lobby Hours
Unity RCU	1908 150th St, Balsam Lake, WI 54810	View Lobby Hours
Northstar Middle School RCU	2711 Abbe Hill Dr, Eau Claire, WI 54703	View Lobby Hours
Hillcrest RCU	1200 Miles St, Chippewa Falls, WI 54729	View Lobby Hours
Southview RCU	615 A St, Chippewa Falls, WI 54729	View Lobby Hours
Jefferson RCU	30 Phipps Ave, Rice Lake, WI 54868	View Lobby Hours
Parkview RCU	501 Jefferson Ave, Chippewa Falls, WI 54729	View Lobby Hours
Halmstead RCU	565 E South Ave, Chippewa Falls, WI 54729	View Lobby Hours
Memorial HS RCU	2225 Keith St, Eau Claire, WI 54701	View Lobby Hours
Putnam Heights RCU	633 W MacArthur Ave, Eau Claire, WI 54701	View Lobby Hours
Robbins RCU	3832 E Hamilton Ave, Eau Claire, WI 54701	View Lobby Hours
Somerset Office	115 Parent St, Somerset, WI 54025	View Lobby Hours
Star Prairie Office	100 Main St, Star Prairie, WI 54026	View Lobby Hours
Hilltop RCU	202 Cameron Rd, Rice Lake, WI 54868	View Lobby Hours
Colby Middle School RCU	703 N 2nd St, Colby, WI 54421	View Lobby Hours
Chippewa Falls Middle School RCU	750 Tropicana Blvd, Chippewa Falls, WI 54729	View Lobby Hours
Sherman Elemantary RCU	3110 Vine St, Eau Claire, WI 54703	View Lobby Hours
Colby Elementary RCU	202 W Dolf St, Colby, WI 54421	View Lobby Hours
Amery Office	1080 Cornwall Ave, Amery, WI 54001	View Lobby Hours
Balsam Lake Office	100 Mill St, Balsam Lake, WI 54810	View Lobby Hours
Menomonie East Office	2421 Stout Rd, Menomonie, WI 54751	View Lobby Hours
Milltown Office	21 Main St W, Milltown, WI 54858	View Lobby Hours
River Falls Office	1150 N Main St, River Falls, WI 54022	View Lobby Hours
Colby HS RCU	705 N 2nd St, Colby, WI 54421	View Lobby Hours
Menomonie North Office	2615 Hils Ct, Menomonie, WI 54751	View Lobby Hours
Whitehall Office	18567 Scranton St, Whitehall, WI 54773	View Lobby Hours
Corporate Center	200 Riverfront Ter, Eau Claire, WI 54703	View Lobby Hours
Moholt Office	2415 Jodi Dr, Eau Claire, WI 54703	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 66247	6.804%	6.750%	0.50	$1,770	$2,076	Learn More
NMLS ID: 1025894	6.977%	6.875%	0.88	$3,334	$2,103	Learn More
NMLS ID: 3030	7.463%	7.375%	0.88	$2,800	$2,211	Learn More
NMLS ID: 1907						Learn More

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Featured - Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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