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COVID-19 Update

For the safety of our members, employees and communities, Ripco Credit Union will be moving to drive-thru access only beginning Monday, March 16th. As we continue to monitor reports of the potential impact of the Coronavirus (COVID-19), this decision was made with a commitment to the health and safety of our entire Ripco family as our top priority. Read More>>

Consumer Loans

2020 Vision

Debt Consolidation Special

2020 Vision is the vision of a bright future with YOU in control of your debt.  Use your "2020 Vision" to save time and money! 

This year is about giving you control of your financial future. It is very likely that we can lower your monthly payments, while decreasing the amount of interest you have to pay.  You tell us what bills you are paying now and we'll show you a clear picture of what you could pay with "2020 Vision"!  

Become debt free quicker when you consolidate with a special low fixed interest rate.  Make just one payment instead of several, and you’ll likely save on the amount of interest you are charged each month.

Debt Consolidation Loan Rates Special
Term APR as Low as* Loan Amount Min/Max Approx. Loan Pmt. ($15,000 Loan)
36 Months 5.49% $2,000 - $25,000 $452.87
48 Months 5.99% $4,000 - $25,000 $352.21
60 Months 6.49% $5,000 - $25,000 $293.42
72 Months 6.99% $10,000 - $25,000 $255.66

All rates presented above are APR (Annual Percentage Rate), effective and accurate as of 01/06/2020, and subject to change without prior notice. If an existing Ripco Credit Union loan is refinanced under these special rates and terms,  new money advanced must be equal to or greater than the minimum loan amount offered in each tier.

Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information.

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