The Royal Credit Union is a personal line of credit from Royal Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is Margin 4.25%, APR 11.25% (APR is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin; rates current as of 09/17/2026). Typical credit limit: The minimum credit line is $2,000. Loan terms: Make payments on only the amount you’re using.