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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>>

Rates

Deposit Rates

Achieving More Together

Because we put people before profit, we always strive to offer the best checking account rates, savings account rates, IRA rates and more!

Rates are current as of March 5, 2020 and are subject to change without notice. Please contact Ripco Credit Union for the most current rates and a copy of our terms and conditions disclosure brochure.  

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.  

 

Checking Account Rates

Comparison table of Checking Account Rates.
Product Min. Balance Int. Rate APY*
Free Checking $0 0.00% 0.00%
Smart Start Checking $0 0.00% 0.00%
Fresh Start Checking $0 0.00% 0.00%
Dividend-Earning Checking $0 0.00% 0.00%
Dividend-Earning Checking $250 0.15% 0.15%
Dividend-Earning Checking $5,000 0.20% 0.20%
Dividend-Earning Checking $10,000 0.25% 0.25%
Business Checking $0 0.00% 0.00%

Savings Account Rates

Comparison table of Savings Account Rates.
Product Min. Balance Int. Rate APY*
Statement Savings $25 0.35% 0.35%
Secondary Savings $25 0.35% 0.35%
Saver's Sweepstakes $25 0.35% 0.35%
IRA Savings $25 0.35% 0.35%
Business Savings $25 0.35% 0.35%
Christmas Club $0 0.50% 0.50%
Honey Pot Kids* $1 2.00% 2.02%
Honey Pot Kids* $501 0.35% 0.35%
Money Market Index $0 0.35% 0.35%
Money Market Index $10,000 1.10% 1.10%
Money Market Index $25,000 1.20% 1.21%

* Earn 2.00% APR on the first $500.00 deposited in your Honey Pot Kids Club Account; regular posted savings rates thereafter

Certificate Rates

Comparison table of Certificate Rates.
Product Min. Balance Int. Rate APY*
3-Month Share Certificate $500 0.35% 0.35%
6-Month Share Certificate $500 0.50% 0.50%
12-Month Share Certificate $500 0.75% 0.75%
24-Month Share Certificate $500 0.90% 0.90%
36-Month Share Certificate $500 1.00% 1.00%
48-Month Share Certificate $500 1.20% 1.21%
12-Month Educational Certificate $500 0.85% 0.85%

Traditonal and Roth IRA Rates

Comparison table of Traditonal and Roth IRA Rates.
Product Min. Balance Int. Rate APY*
12-Month IRA Certificate $500 0.75% 0.75%
24-Month IRA Certificate $500 0.90% 0.90%
36-Month IRA Certificate $500 1.00% 1.00%
48-Month IRA Certificate $500 1.20% 1.21%
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