Current Rates
Everything in one place
Rates are updated as they change, so the numbers you see below reflect our current rates. Not sure which rate or option is right for you? Stop by, text, or chat with a Universal Member Agent - we're happy to help.
Loan Rates
What the numbers mean
Loan rates are shown as APR, which gives you a better picture of the cost of borrowing and makes it easier to compare loan offers. Rates shown are "as low as," and the rate you qualify for depends on the term you choose, the collateral, and your credit history.
Want to get an idea of what your payment could look like? The monthly payment per $1,000 can help you quickly compare different terms. Use it to get a quick estimate of your monthly payment before you apply.
Titled Collateral Loans
Includes auto, camper and boats over 16' long. Terms run from 36 months to 180 months, and the rate rises as the term lengthens. A longer term can lower your monthly payment, but it can also mean paying more interest over time. We can help you find a term and payment that comfortably fit your budget.
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| 0 - 36 months | 4.49% | $29.74 |
| 37 - 48 months | 4.54% | $22.82 |
| 49 - 60 months | 4.64% | $18.71 |
| 61 - 72 months | 4.74% | $15.98 |
| 73 - 84 months | 5.49% | $14.37 |
| 85 -108 months | 6.74% | $12.37 |
| 120 months | 6.99% | $11.61 |
| 180 months | 7.49% | $9.26 |
Non-Titled Recreational Loans
Includes snowmobile, ATV/UTV, boat and camper loans under 16’ long, 2016 or newer.
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| 0 - 36 months | 7.24% | $30.99 |
| 37 - 48 months | 7.29% | $24.08 |
| 49 - 60 months | 7.39% | $19.99 |
| 61 - 72 months | 7.49% | $17.29 |
| 73 - 84 months | 8.24% | $15.71 |
Home Equity and Mortgage
Home equity and mortgage rates are quoted separately because the term structure and the collateral both differ from a vehicle loan. A fixed-rate Home Equity Loan locks your payment for the life of the loan. A Home Equity Line of Credit (HELOC) gives you a line you draw against as needed, with no annual fee and the $325 processing fee waived for a limited time.
For a home purchase or refinance, a fixed-rate mortgage holds your principal and interest payment steady for the life of the loan, while an adjustable rate mortgage starts lower and adjusts later.
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| 7 Year Fixed | 5.75% | $14.49 |
| 10 Year Fixed | 6.00% | $11.10 |
| 15 Year Fixed | 6.50% | $8.71 |
| 20 Year Fixed | 6.99% | $7.75 |
| 5/1 ARM | 6.75% | $6.49 |
| 7/1 ARM | 7.00% | $6.65 |
| 10/1 ARM | 7.50% | $6.99 |
| Product | APR*. as low as |
|
|---|---|---|
| Home Equity Loan | 6.75% | Call us for today's great rate. |
| HELOC | 7.75% | Call us for today's great rate. |
| Home Improvement Personal Loan | 9.00% | Call us for today's great rate. |
| Land Loan | 7.50% | Call us for today's great rate. |
Personal Loans and Lines of Credit
A Flexible Personal Loan is unsecured, which means no collateral and a rate based on your credit and income. A Kwik Cash Line of Credit works differently, giving you an approved limit you can draw against without reapplying each time.
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| 36 months or less | 8.99% | $31.80 |
| 37-48 months | 9.99% | $25.36 |
| 49-60 months | 10.49% | $21.49 |
| 61-72 months | 12.99% | $20.07 |
| APR* | Monthly Payment per $1,000 | |
|---|---|---|
| Revolving | 12.75% | Varies |
Credit Cards
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| Visa Classic Rewards** | 13.49% | Varies |
Savings Rates
What your money earns
Savings rates are shown as both the dividend rate and the APY. APY is the one to compare, because it accounts for compounding over a year.
Certificates generally pay more than a regular savings account in exchange for leaving the money in place for a set term. That can make a certificate a great option for money you're setting aside and won't need right away. A money market account can offer another option for earning more while keeping your money accessible.
Which savings option fits
If you're building an emergency fund, having easy access to your money may be just as important as what it earns. A savings or money market account can give you that flexibility. If you are setting money aside for a down payment two years out, a certificate matched to that timeline will earn more.
You don't necessarily have to choose just one. Using a combination of savings and certificates can help keep some of your money accessible while allowing other funds to earn more. Not sure how to put the pieces together? We'll sit down with you and help find an approach that works for your goals.
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| Everyday Savings | $25.00 | 0.10% | 0.10% |
| Saver's Sweepstakes | $0.00 | 0.35% | 0.35% |
| Christmas Club | $0.00 | 0.75% | 0.75% |
| Kids Club | $1.00 | 2.00% | 2.02% |
| Ripco Kids Club* | $501.00 | 0.10% | 0.10% |
| IRA Savings | $25.00 | 0.10% | 0.10% |
| Money Market | $0.00 | 0.50% | 0.50% |
| Money Market | $10,000.00 | 1.00% | 1.01% |
| Money Market | $25,000.00 | 1.50% | 1.51% |
| Business Savings | $25.00 | 0.10% | 0.10% |
| Health Savings | $0.00 | 0.15% | 0.15% |
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| 3-Month Share CD | $500.00 | 0.50% | 0.50% |
| 6-Month Share CD | $500.00 | 0.50% | 0.50% |
| 12-Month Share CD | $500.00 | 2.75% | 2.78% |
| 24-Month Share CD | $500.00 | 3.00% | 3.03% |
| 36-Month Share CD | $500.00 | 3.00% | 3.03% |
| 48-Month Share CD | $500.00 | 3.25% | 3.29% |
| 12-Month Educational CD | $500.00 | 2.85% | 2.88% |
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| 12-Month IRA CD | $500.00 | 2.75% | 2.78% |
| 24-Month IRA CD | $500.00 | 3.00% | 3.03% |
| 36-Month IRA CD | $500.00 | 3.00% | 3.03% |
| 48-Month IRA CD | $500.00 | 3.25% | 3.29% |
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| Everyday Checking | $0.00 | 0.00% | 0.00% |
| Rewards Checking | $250.00 | 0.05% | 0.05% |
| Rewards Checking | $5,000.00 | 0.10% | 0.10% |
| Rewards Checking | $10,000.00 | 0.15% | 0.15% |
| Teen Checking | $0.00 | 0.00% | 0.00% |
| Business Checking | $0.00 | 0.00% | 0.00% |
Membership
Who can join Ripco
Membership is available to anyone who lives, works, or owns property in Oneida, Forest, Florence, Vilas, Langlade, Lincoln, or Price County, as well as immediate family members of current Ripco members.
Questions about a rate?
Let's Find What Works for You
Rates are a starting point, not the whole picture. Stop by, text, or chat with a Universal Member Agent. We'll walk through your options with you, answer your questions, and help you understand what your rate and payment could look like.