Important Member Updates:
Online Banking Notice: On Tuesday, April 22, 2025, all members will be required to re-accept the Online Banking User Agreement in order to log in. This is part of a system update—the agreement itself is not changing.
Join Us: Ripco Credit Union’s 92nd Annual Meeting will be held on Tuesday, April 29, 2025, at 5:00 PM at 121 Sutliff Ave. All members are welcome to attend.
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 | $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 | 0.15% | 0.15% |
| Secondary Savings | $25.00 | 0.15% | 0.15% |
| Saver's Sweepstakes | $25.00 | 0.40% | 0.40% |
| Business Savings | $25.00 | 0.15% | 0.15% |
| IRA Savings | $25.00 | 0.15% | 0.15% |
| Christmas Club | $0.00 | 0.75% | 0.75% |
| Ripco Kids Club* | $1.00 | 2.00% | 2.02% |
| Ripco Kids Club* | $501.00 | 0.15% | 0.15% |
| Money Market Index | $0.00 | 0.50% | 0.50% |
| Money Market Index | $10,000.00 | 1.25% | 1.26% |
| Money Market Index | $25,000.00 | 2.00% | 2.02% |
| 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 | 3.00% | 3.03% |
| 24-Month Share Certificate | $500.00 | 3.25% | 3.29% |
| 36-Month Share Certificate | $500.00 | 3.50% | 3.55% |
| 48-Month Share Certificate | $500.00 | 3.50% | 3.55% |
| 12-Month Educational Certificate | $500.00 | 3.10% | 3.14% |
| Product | Min. Balance | Int.erest Rate | APY* |
|---|---|---|---|
| 12-Month IRA Certificate | $500.00 | 3.00% | 3.03% |
| 24-Month IRA Certificate | $500.00 | 3.25% | 3.29% |
| 36-Month IRA Certificate | $500.00 | 3.50% | 3.55% |
| 48-Month IRA Certificate | $500.00 | 3.50% | 3.55% |
