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System Upgrade

We are currently in the process of upgrading our system to enhance your experience. During this time, you will not be able to access your online or audio account information and both locations will be closed Saturday, May 18th. We apologize for any inconvenience this may cause and thank you for your patience and understanding. 

Rates

Loan Rates

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  September 1st, 2023. 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

Comparison table of Titled Collateral Loans.
Product APR*.
as low as
Monthly Payment per $1,000
0 - 36 months 6.24% $30.53
37 - 48 months 6.49% $23.71
49 - 60 months 6.74% $19.68
61 - 72 months 7.24% $17.16
73 - 84 months 7.74% $15.46
85 -108 months 8.74% $13.41
120 months 9.24% $12.80
180 months 9.99% $10.74

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 2012 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

Comparison table of Non-Titled Recreational Loans.
Product APR*.
as low as
Monthly Payment per $1,000
0 - 36 months 7.74% $31.22
37 - 48 months 7.99% $24.41
49 - 60 months 8.24% $20.39
61 - 72 months 9.24% $18.14
73 - 84 months 9.74% $16.47

Non-Titled Recreational Loans

Includes snowmobile, ATV/UTV, boat and camper loans under 16’ long, 2013 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

Comparison table of Mortgage Rates.
Product APR*.
as low as
Monthly Payment per $1,000
10 Year Fixed 6.50% $19.57
15 Year Fixed 6.90% $8.93
20 Year Fixed 7.15% $7.84
5 Year Balloon 6.75% $19.68
7 Year Balloon 6.99% $15.09
10 Year Balloon 7.15% $11.69

Home Equity, Home Improvement and Land Loans

Comparison table of 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

Comparison table of 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

Comparison table of Signature Loans.
Product APR*.
as low as
Monthly Payment per $1,000
48 months or less 10.74% $25.72
49-60 months 11.74% $22.11
61-72 months 13.24% $20.20

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

Comparison table of Credit Cards.
Product APR*.
as low as
Monthly Payment per $1,000
Visa Classic Rewards** 15.24% 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  15.24% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

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