Loan Rates
Loan Calculator
Includes auto, camper and boats over 16’ long.
Comparison table of Titled Collateral Loans.
Product
APR*.
Monthly Payment per $1,000
0 - 36 months
4.74%
$29.85
37 - 48 months
4.99%
$23.02
49 - 60 months
4.99%
$18.87
61 - 72 months
5.24%
$16.22
73 - 84 months
5.74%
$14.48
85 -108 months
7.74%
$12.88
120 months
7.99%
$12.13
180 months
8.49%
$9.84
*Rates are current as of and are subject to change without notice. The rates listed reflect financing with 0% down payment. If a member chooses to make a 25% down payment, the rate will be reduced by a 0.25% rate reduction. 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 2015 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>>
Includes snowmobile, ATV/UTV, boat and camper loans under 16’ long, 2016 or newer.
Comparison table of Non-Titled Recreational Loans.
Product
APR*.
Monthly Payment per $1,000
0 - 36 months
7.49%
$31.10
37 - 48 months
7.74%
$24.29
49 - 60 months
7.74%
$20.15
61 - 72 months
7.99%
$17.53
73 - 84 months
8.49%
$15.83
Comparison table of Mortgage Rates.
Product
APR*.
Monthly Payment per $1,000
7 Year Fixed
5.25%
$14.25
10 Year Fixed
5.50%
$10.85
15 Year Fixed
5.75%
$8.30
20 Year Fixed
6.00%
$7.16
5/1 ARM
5.75%
$5.84
7/1 ARM
6.00%
$6.00
10/1 ARM
6.25%
$6.16
We also have a 30 year fixed. Call for rates!
Rates and monthly payments are our lowest available. Rates and monthly payments are based on a $100,000 loan amount, 80% Loan-to-Value (LTV) purchase transaction and a Credit Score of 730 or higher. Please be aware that individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, and credit score.
Call or Text for Rates
Comparison table of Home Equity, Home Improvement and Land Loans.
Product
APR*.
Home Equity Loan
6.75%
Call us for today's great rate.
HELOC
7.75%
Call us for today's great rate.
Home Improvement Personal Loan
9.00%
Call us for today's great rate.
Land Loan
7.50%
Call us for today's great rate.
Comparison table of Kwik Cash Line of Credit.
APR*
Monthly Payment per $1,000
Revolving
12.75%
Varies
*Rates are current as of and are subject to change without notice. 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. Learn More>>
Comparison table of Signature Loans.
Product
APR*.
Monthly Payment per $1,000
36 months or less
9.24%
$31.91
37-48 months
10.24%
$25.48
49-60 months
10.74%
$21.61
61-72 months
12.99%
$20.07
*Rates are current as of and are subject to change without notice. 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.
CREDIT CARDS
Comparison table of Credit Cards.
Product
APR*.
Monthly Payment per $1,000
Visa Classic Rewards**
13.49%
Varies
Deposit Rates
Rates are current as of and are subject to change without notice. Please contact Ripco Credit Union for the most current rates and a copy of our terms and conditions disclosure brochure.
APR (Annual Percentage Rate) is your interest rate without taking compound interest into account; APY (Annual Percentage Yield) is the interest paid on a dividend-earning account over a year’s time including compounding – or the interest paid on interest.
Comparison table of Checking Account Rates.
Product
Min. Balance
Int. erest Rate
APY*
Everyday Checking
$0.00
0.00%
0.00%
Rewards Checking
$250.00
0.05%
0.05%
Rewards Checking
$5,000.00
0.10%
0.10%
Rewards Checking
$10,000.00
0.15%
0.15%
Teen Checking
$0.00
0.00%
0.00%
Business Checking
$0.00
0.00%
0.00%
Comparison table of Savings Accounts.
Product
Min. Balance
Int. erest Rate
APY*
Everyday Savings
$25.00
0.10%
0.10%
Saver's Sweepstakes
$0.00
0.35%
0.35%
Christmas Club
$0.00
0.75%
0.75%
Kids Club
$1.00
2.00%
2.02%
Ripco Kids Club*
$501.00
0.10%
0.10%
IRA Savings
$25.00
0.10%
0.10%
Money Market
$0.00
0.50%
0.50%
Money Market
$10,000.00
1.00%
1.01%
Money Market
$25,000.00
1.75%
1.76%
Business Savings
$25.00
0.10%
0.10%
Health Savings
$0.00
0.15%
0.15%
* Earn 2.00% APR on the first $500.00 deposited in your Ripco Kids Club Account; regular posted savings rates thereafter
Comparison table of Certificate Rates.
Product
Min. Balance
Int. erest Rate
APY*
3-Month Share CD
$500.00
0.50%
0.50%
6-Month Share CD
$500.00
0.75%
0.75%
12-Month Share CD
$500.00
2.75%
2.78%
24-Month Share CD
$500.00
3.00%
3.03%
36-Month Share CD
$500.00
3.25%
3.29%
48-Month Share CD
$500.00
3.25%
3.29%
12-Month Educational CD
$500.00
2.85%
2.88%
Comparison table of Traditional and Roth IRA Rates.
Product
Min. Balance
Int. erest Rate
APY*
12-Month IRA CD
$500.00
2.75%
2.78%
24-Month IRA CD
$500.00
3.00%
3.03%
36-Month IRA CD
$500.00
3.25%
3.29%
48-Month IRA CD
$500.00
3.25%
3.29%
*Rates are current as of and are subject to change without notice. Please contact Ripco Credit Union for the most current rates and a copy of our terms and conditions disclosure brochure.
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