Today's rates from ROYAL
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 7.125% | 7.197% | — | Nov 2, 2026 Lender's sheet dated Dec 23, 2025 | Visit | |
| 20 Year Fixed | 6.75% | 6.842% | — | Nov 2, 2026 Lender's sheet dated Dec 23, 2025 | Visit | |
| 15 Year Fixed | 6.625% | 6.74% | — | Nov 2, 2026 Lender's sheet dated Dec 23, 2025 | Visit | |
| 10 Year Fixed | 6.5% | 6.661% | — | Nov 2, 2026 Lender's sheet dated Dec 23, 2025 | Visit | |
| 10 Year ARM | 6.875% | 6.834% | — | Nov 2, 2026 Lender's sheet dated Dec 23, 2025 | Visit | |
| 10 Year Fixed Refinance | 6.625% | 6.787% | — | Nov 2, 2026 Lender's sheet dated Dec 23, 2025 | Visit | |
| 15 Year Fixed Refinance | 6.75% | 6.865% | — | Nov 2, 2026 Lender's sheet dated Dec 23, 2025 | Visit | |
| 20 Year Fixed Refinance | 6.875% | 6.968% | — | Nov 2, 2026 Lender's sheet dated Dec 23, 2025 | Visit |
Rate history
Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join ROYAL
Royal Credit Union is open to individuals who live, work, or worship in 26 counties in Western Wisconsin and 14 counties in Minnesota, including the Twin Cities and St. Cloud areas. Immediate family members of current Royal members are also eligible to join.
County
Adams County, WI, Ashland County, WI, Barron County, WI, Bayfield County, WI, Buffalo County, WI, Burnett County, WI, Chippewa County, WI, Clark County, WI, Douglas County, WI, Dunn County, WI, Eau Claire County, WI, Iron County, WI…
Where ROYAL writes mortgages
ROYAL publishes mortgage lending in 2 states.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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