Achieving More Together

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

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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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Mark Your Calendar for RipcoFest!

May 9th is our Free Community Celebration with Food, Music, Fun, and Something For Everyone!

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Ready. Set. Let's Go! Promotion

Get 90 Days No Pay AND Up to $500 Cash Back! Cars, Trucks, and All the Toys! If it Has a Title it Qualifies.

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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!

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!

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:

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A bank statement with the entire account number

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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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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!

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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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