Achieving More Together

We’re a credit union for people who are going places. Go further, faster with Ripco.

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Join. Earn. Repeat.

For a Limited Time earn up to a $150 in rewards just for joining and using the services you need!

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Borrow Smarter

Not EVERY mortgage should be fixed. 5,7, and 10 year arms are mortgages that match your life.

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1.5% Cash Back

For the ENTIRE month of AUGUST you get Unlimited 1.5% cash back with every swipe!

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LoanPay Xpress

Your Video Banking Solution

Our team can meet with you through Video Banking to answer
your questions, help with membership, and more — so let’s talk!

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E-Products & Services

Technology Working For You

Text Banking

Ripco Credit Union offers the convenience of Text Banking, allowing members to access important account information anytime, anywhere. With simple text commands, you can quickly check your account balances, view recent transactions, and even receive alerts—all from your mobile phone. There’s no need for internet access or a smartphone app, making it a fast and secure option for staying connected to your finances. Text Banking is just one more way Ripco helps you manage your money on your terms.

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A2A Transfers

A2A (Account to Account) transfers allow you to transfer money between your account at Ripco and your account at another financial institution through It'sMe247 Online Banking or through a member service representative. There is no fee for this service and it's easy to get started!

To start making A2A transfers, you simply have to complete the authorization form (PDF) and return it to us along with one of the following from the other financial institution:

Voided check
A bank statement with the entire account number

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Card Control

Take control of your card - right from Online Banking! Ripco Credit Union’s card control features are conveniently built into our online and mobile banking platform. You can turn your debit or credit card on or off, set spending limits, and receive instant alerts for card activity—all in one place. Plus, manage where your card can be used by location, merchant type, or transaction type. It’s the same powerful control, now easier to access than ever.

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Digital Wallet

Ripco Credit Union supports Digital Wallet, making it easier and more secure to pay with your mobile device. Whether you use Apple Pay®, Google Pay™, or Samsung Pay®, you can store your Ripco debit or credit card and make quick, contactless purchases in-store or online. To add your card:

Open your phone’s wallet app (Apple Wallet, Google Pay, or Samsung Pay).
Tap the option to add a new card.
Use your phone’s camera to capture your card info or enter it manually.
Follow the prompts to verify your card through Ripco.
Once verified, your card is ready to use!

With Digital Wallet, your card information stays secure, and checkout is faster than ever.

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Travel Money Cards

Ripco Credit Union offers convenient and secure Travel Money Cards, perfect for vacations, business trips, or everyday spending. These prepaid cards can be loaded with any amount from $100.00 to $5,000.00 per day, giving you flexible control over your travel budget. Reload your card easily through the CUMONEY® Mobile App or on the Travel Money website. Travel Money Cards are safer than carrying cash and accepted worldwide wherever Visa® is accepted.

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LoanPay Xpress

LoanPay Xpress from Ripco Credit Union lets you make loan payments 24/7 from anywhere—whether you’re at home or on the go. This convenient service allows you to make one-time payments to your Ripco consumer loans using a debit card* or a checking/savings account from another financial institution.

To get started, click here and:

Have your Ripco account number and loan suffix ready,
Provide your external account or debit card number, and
Enter the primary account holder’s birthdate—then choose to register or pay as a guest.

It's a great option if you don’t use Ripco as your primary financial institution or need a fast, secure way to stay current on your loans.

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Tap to Pay Cards

Ripco Credit Union now offers Tap to Pay cards for faster, easier checkouts. Simply tap your card at any contactless-enabled terminal—no need to insert or swipe. It’s secure, convenient, and perfect for life on the go. Whether you're grabbing coffee or shopping for groceries, Tap to Pay saves you time. Experience the future of payments with Ripco’s new contactless debit and credit cards!

close-up of a woman holding a card over a card reader