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 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 2022461	5.830%	5.750%	0.88	$2,800	$1,868	Learn More
NMLS ID: 1006977	5.839%	5.750%	0.63	$3,208	$1,868	Learn More
NMLS ID: 3138	5.967%	5.875%	1.00	$3,200	$1,893	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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