Achieving More Together

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

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The Ripco Rate & Return Review

Could you be paying less on what you owe or earning more on what you've saved? There's only one way to know for sure!

Let's Find Out

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Flexibility for Real Life

For the planned and the unexpected. Home repairs, medical expenses, travel, special occasions, and more. A little extra when you need it.

Apply Now

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Our HELOC Advantage

For a Limited-Time We are waiving the $325 Processing Fee and No Annual Fee EVER! Skip the Fee. Keep the Flexibility.

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REPAY

Connect With Us From Anywhere

Look for the chat button in the lower-right corner to
connect with Rippy 24/7. Need personal assistance?
Our Ripco team is available during business hours.

E-Products & Services

Technology Working For You

Digital Banking Services

Online Banking: Securely manage your accounts 24/7 from any device. Check balances, transfer funds, manage your ACH deposits and more - all in just a few clicks.
Mobile Banking App: Bank on the go with our free Ripco Mobile App!

Download on the App Store Get it on Google Play

Bill Pay: Pay bills quickly, securely, and on your schedule—without the stamps or late fees.
E-Statements: Ditch the paper and view your statements securely online anytime. It’s fast, easy, and eco-friendly!
E-Alerts & E-Notices: Stay in the loop with customized alerts for balances, transactions, due dates, and more—sent right to your inbox or phone.
Text Banking: Get instant account updates via text! Just text 715-365-4800 to check balances, transfer funds, and more.
Card Control: Take charge of your Ripco debit and credit cards! Lock/unlock cards, set spending limits, and get real-time alerts—all from the mobile app.
Audio Banking: No internet? No problem. Call 833-365-4801, our 24/7 Audio Banking line to check balances, transfer funds, and more. Note: You’ll need to set up this service with a Ripco team member before using this digital option.

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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. There is no fee for this service and it’s easy to get started!

Beginning June 1st, we will be transitioning to a new A2A transfer platform. All current and new A2A users will need to enroll or re-enroll in the updated platform through Online Banking.

This transition is being made to create a more efficient experience and make managing transfers even simpler for our members.

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P2P Transfer

Easily send money to friends, family, or anyone you trust using just their email or mobile number—no checks, no account info needed. It’s safe, simple, and all done through your Ripco account.

Verify your identity with a code we send through text or via email
Send money to anyone. All you need is their email address or a phone number capable of receiving texts.

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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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Early Deposit Service

Get paid sooner with Ripco’s Early ACH Deposit! Access your paycheck or other direct deposits up to two days early! It’s fast, flexible, and puts your money in your hands when you need it.

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REPAY

Ripco Credit Union now partners with REPAY to give you a simple, reliable way to make loan payments anytime-whether you’re at home or on the go. REPAY allows you to pay your Ripco loan online using an account from another financial institution or with a debit card* - quickly and securely.

With flexible options like one-time, scheduled, or recurring payments, REPAY makes it easy to stay on track and manage your loan your way.

Access REPAY Now

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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!

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Round-Up Program

Save without even thinking about it! Ripco’s Round-Up Program automatically rounds up each debit card purchase to the nearest dollar and moves the spare change into your savings account. Just enroll your Ripco debit card, link your checking and savings—and let your everyday spending build your savings, effortlessly.

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Remote Deposit

Ripco Credit Union offers Remote Deposit, a simple way to deposit checks without visiting a branch. Once enrolled, members can use the Ripco Mobile App to securely deposit checks using a smartphone or tablet. To make a Remote Deposit:

Open the Ripco Mobile App and select Remote Deposit
Tap New Deposit
Choose the account you’d like to deposit the check into
Take a clear photo of the front of the check and continue
Sign the back of the check, write “RCU Mobile Deposit,” then take a photo of the back
Review the details and tap Submit

Once your deposit is confirmed and funds are available, securely destroy the check.

With Remote Deposit, checks are deposited securely - right from your mobile device.

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