JULY ANNOUNCEMENTS
All branches will be closed Friday and Saturday, July 4th & 5th, in celebration of Independence Day. Fireworks first, then a fresh new ripco.org - our upgraded website launches soon after the holiday! Stay tuned!
Turn Financial Goals into Fantastic Realities
Let Ripco be your first choice whenever you’re looking for a loan. In addition to great loan rates and friendly, personal service, you’ll have the satisfaction of knowing that you’re growing your relationship with a local credit union that values your membership!
*Annual percentage rate (APR) offered can change at any time without advance notice. Rates offered are accurate as of April 16th, 2025. All stated rates are "as low as" based on credit history and may vary according to the term of the loan and other factors. Please see a Ripco loan professional for details. Normal lending policies apply.
Titled Collateral Loans
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| 0 - 36 months | 4.24% | $29.63 |
| 37 - 48 months | 4.49% | $22.80 |
| 49 - 60 months | 4.49% | $18.64 |
| 61 - 72 months | 4.74% | $15.98 |
| 73 - 84 months | 6.24% | $14.72 |
| 85 -108 months | 7.74% | $12.88 |
| 120 months | 7.99% | $12.13 |
| 180 months | 8.49% | $9.84 |
Titled Collateral Loans
Includes auto, camper and boats over 16’ long.
The rates listed are lowest available rates. Regular New & Used Vehicles and Recreational rates and monthly payments are based on financing 75% of value on all terms up to 84 months. Extended terms above 84 months are limited to boats and campers over 16’ long. All collateral 2010 and older add 2% to Annual Percentage Rate (APR). Individual rates and terms may vary based on down payment, credit history, credit score, mileage, and age of collateral. Credit terms and conditions apply. All offers are subject to change at any time. Learn More>>
Non-Titled Recreational Loans
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| 0 - 36 months | 6.99% | $30.87 |
| 37 - 48 months | 7.24% | $24.06 |
| 49 - 60 months | 7.24% | $19.91 |
| 61 - 72 months | 7.99% | $17.53 |
| 73 - 84 months | 8.99% | $16.08 |
Non-Titled Recreational Loans
Includes snowmobile, ATV/UTV, boat and camper loans under 16’ long, 2010 or newer.
The rates listed are lowest available rates. Regular New & Used Vehicles and Recreational rates and monthly payments are based on financing 75% of value on all terms up to 84 months. Individual rates and terms may vary based on down payment, credit history, credit score, mileage, and age of collateral. Credit terms and conditions apply. All offers are subject to change at any time. Learn More>>
Mortgage Rates
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| 10 Year Fixed | 5.50% | $10.85 |
| 15 Year Fixed | 6.25% | $8.57 |
| 20 Year Fixed | 6.99% | $7.75 |
| 5/1 ARM | 6.00% | $6.00 |
| 7/1 ARM | 6.50% | $6.32 |
| 10/1 ARM | 7.00% | $6.65 |
We also have a 30 year fixed. Call for rates!
Home Equity, Home Improvement and Land Loans
| Product | Rate | |
|---|---|---|
| Home Equity, HELOC, Home Improvement and Land Loans | Call us for today's great rate. | |
Kwik Cash Line of Credit
| APR*. as low as |
Monthly Payment per $1,000 | |
|---|---|---|
| Revolving | 18.00% | Varies |
Kwik Cash Line of Credit
The rate listed is our lowest available rate. This is a Line of Credit and not a Closed End Loan. Payment will vary based on outstanding balance. Individual rates and terms may vary based on credit history and credit score. Credit eligibility and other criteria apply. All offers are subject to change at any time. Learn More>>
Signature Loans
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| 48 months or less | 10.49% | $25.60 |
| 49-60 months | 11.49% | $21.99 |
| 61-72 months | 12.99% | $20.07 |
Unsecured/Personal Loans
The rate listed is our lowest available rate. Individual rates and terms may vary based on credit history and credit score. Credit eligibility and other criteria apply. All offers are subject to change at any time. Learn More>>
Credit Cards
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| Visa Classic Rewards** | 14.24% | Varies |
Credit Cards
Annual Percentage Rate (APR) is variable based on the Prime Lending Rate. The rate listed is our lowest available rate. Individual rates and terms may vary based on credit history and credit score. Credit eligibility and other criteria apply. All offers are subject to change at any time.
Learn More>> Cash Rewards Visa Card
**Visa Classic Rewards 14.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.