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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 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.

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 1.00% 1.00%
6-Month Share Certificate $500 1.40% 1.41%
12-Month Share Certificate $500 1.70% 1.71%
24-Month Share Certificate $500 2.05% 2.07%
36-Month Share Certificate $500 2.10% 2.12%
48-Month Share Certificate $500 2.20% 2.22%
12-Month Educational Certificate $500 1.80% 1.81%

Traditonal and Roth IRA Rates

Comparison table of Traditonal and Roth IRA Rates.
Product Min. Balance Int. Rate APY*
12-Month IRA Certificate $500 1.70% 1.71%
24-Month IRA Certificate $500 2.05% 2.07%
36-Month IRA Certificate $500 2.10% 2.12%
48-Month IRA Certificate $500 2.20% 2.22%
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