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.
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.
| 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 |
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>>
| 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 |
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>>
| 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 | 6.50% | $7.46 |
| 5/1 ARM | 6.25% | $6.16 |
| 7/1 ARM | 6.50% | $6.32 |
| 10/1 ARM | 6.75% | $6.49 |
| Product | Rate | |
|---|---|---|
| Home Equity, HELOC, Home Improvement and Land Loans | Call us for today's great rate. | |
| APR*. as low as |
Monthly Payment per $1,000 | |
|---|---|---|
| Revolving | 18.00% | Varies |
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>>
| 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 |
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>>
| Product | APR*. as low as |
Monthly Payment per $1,000 |
|---|---|---|
| Visa Classic Rewards** | 14.24% | Varies |
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.
