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This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If you are applying for a limit increase for a personal line of credit or Visa credit card, contact us at 800-544-3328 to speak to a Member Care Center representative or visit any of our branch locations. LemonadeLXP and Royal Credit Union: Royal Credit Union and LemonadeLXP: Gold: 2021: This entry is submitted jointly by LemonadeLXP and Royal Credit Union. Competitive Credit Union Home Loan Rates and Payment Options. There are no funds available on the credit card to validate it. Balances of $1,500.01 or more earn the credit union’s base rate for Savings accounts. You can apply online by logging into your Online Banking account and choosing Apply for a Loan or Credit Card under the Loans tab. Don’t use more than 30% of your credit. 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