Mortgage Loans

Fixed-Rate Mortgage Loans

Let's make this easy

Lock in peace of mind with a Fixed Rate Mortgage from Ripco Credit Union.

If you’re considering a fixed-rate mortgage, this is a great time to take a closer look.

Making a move in today’s market takes the right timing - and the right loan. With our 15-Year Fixed Mortgage at rates as low as 5.25%*, this is an opportunity to lock in a lower rate, build equity faster, and save significantly over the life of your loan.

This is a great option if you’re looking to move forward with clarity and confidence. We’ll walk you through your options, help you understand exactly what this means for your payment and long-term savings, and make sure you’re making the right decision for your situation.

Your rate - and your monthly payment - stay the same for the life of your loan, so you can plan with confidence. It’s a smart, stable way to finance your dream home - whichever term you choose. 

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Adjustable Rate Mortgages (ARM)

Looking for flexibility?

An Adjustable Rate Mortgage from Ripco Credit Union starts with a lower initial rate—perfect if you plan to move or refinance within a few years. Enjoy lower payments up front and the freedom to make your next move when the time is right.

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Home Refinancing

Refinancing with Ripco Credit Union could help you lower your rate, reduce your monthly payment, or access equity for what matters most. Whether you're upgrading your home or your financial plan, we’ll help you make the most of your mortgage.

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Mortgage Loan Calculator