Christmas Holiday Hours
We will close at 12:00 PM on December 24th and will be closed on Christmas Day, December 25th. Please utilize our It'sMe24/7 Online Banking and Mobile App for all your banking needs. We wish all of our Ripco family a wonderful holiday!
Because we put people before profit, we always strive to offer the best checking account rates, savings account rates, IRA rates and more!
Wondering about the difference between APY and APR?
APR (Annual Percentage Rate) is your interest rate without taking compound interest into account; APY (Annual Percentage Yield) is the interest paid on a dividend-earning account over a year’s time including compounding – or the interest paid on interest.
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| Free Checking | $0.00 | 0.00% | 0.00% |
| Smart Start Checking | $0.00 | 0.00% | 0.00% |
| Fresh Start Checking | $0.00 | 0.00% | 0.00% |
| Dividend-Earning Checking | $0.00 | 0.00% | 0.00% |
| Dividend-Earning Checking | $250.00 | 0.05% | 0.05% |
| Dividend-Earning Checking | $5,000.00 | 0.10% | 0.10% |
| Dividend-Earning Checking | $10,000.00 | 0.15% | 0.15% |
| Business Checking | $0.00 | 0.00% | 0.00% |
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| Statement Savings | $25.00 | 0.25% | 0.25% |
| Secondary Savings | $25.00 | 0.25% | 0.25% |
| Saver's Sweepstakes | $25.00 | 0.50% | 0.50% |
| Business Savings | $25.00 | 0.25% | 0.25% |
| IRA Savings | $25.00 | 0.25% | 0.25% |
| Christmas Club | $0.00 | 0.75% | 0.75% |
| Ripco Kids Club* | $1.00 | 2.00% | 2.02% |
| Ripco Kids Club* | $501.00 | 0.25% | 0.25% |
| Money Market Index | $0.00 | 0.75% | 0.75% |
| Money Market Index | $10,000.00 | 1.50% | 1.51% |
| Money Market Index | $25,000.00 | 2.50% | 2.53% |
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| 3-Month Share Certificate | $500.00 | 0.75% | 0.75% |
| 6-Month Share Certificate | $500.00 | 1.00% | 1.00% |
| 12-Month Share Certificate | $500.00 | 3.25% | 3.29% |
| 24-Month Share Certificate | $500.00 | 3.50% | 3.55% |
| 36-Month Share Certificate | $500.00 | 3.75% | 3.80% |
| 48-Month Share Certificate | $500.00 | 3.75% | 3.80% |
| 12-Month Educational Certificate | $500.00 | 3.35% | 3.39% |
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| 12-Month IRA Certificate | $500.00 | 3.25% | 3.29% |
| 24-Month IRA Certificate | $500.00 | 3.50% | 3.55% |
| 36-Month IRA Certificate | $500.00 | 3.75% | 3.80% |
| 48-Month IRA Certificate | $500.00 | 3.75% | 3.80% |
