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.
No down payment? No problem. Our 100% Financing Mortgage removes one of the biggest barriers to homeownership. This option is ideal for first-time buyers or anyone ready to move in without waiting to save for a large down payment.
Prefer predictability? Our Fixed-Rate Mortgages offer peace of mind with a consistent monthly payment throughout the life of the loan. We offer in-house lending, but if it benefits you long term, we also partner with Fannie Mae to find your best fit.
Designed for first-time homebuyers meeting certain income and property guidelines, these loans allow you to purchase a home with no money down in eligible rural areas.
Looking for flexibility and a lower initial rate? Our Adjustable Rate Mortgages offer a fixed rate for the first 5, 7, or 10 years, followed by annual adjustments—perfect if you plan to move, refinance, or simply want to take advantage of potential rate changes. An ARM may be a great fit if you’re comfortable with rate changes down the road or if you don’t plan to stay in your home long-term.
Whether you're buying, refinancing, or exploring your options, we’re here to guide you every step of the way. Get in touch with a Ripco mortgage expert today to learn more or get started.
All rural development loans are financed through Fannie Mae, though your payments go through Ripco.
Inquire about getting pre-approved.
