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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Ripple Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Ripple Credit Union's 2 years Two Year CD rates are at 3.55%, 1 year One Year CD rates are at 2.68%, 6 month Six Month CD rates are at 1.76%, 3 month Three Month CD rates are at 1.00%, 10 Month CD Special! rates are at 4.08%. Ripple Credit Union's savings rates are at 0.25%. Ripple Credit Union's Mortgage 10 Year Fixed rates are at 6.00%, Mortgage 5 Year ARM rates are at 6.07%, Mortgage 15 Year Fixed rates are at 6.25%. Ripple Credit Union's Personal Loan Rates are as low as 10.50%. Ripple Credit Union's CD rates are 20% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Ripple Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.12%. Rates last updated and verified on 10/29/2026. Ripple Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ripple Credit Union? Share your experience about Ripple Credit Union by leaving a review below, or read customer reviews before you decide to use Ripple Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Ripple Credit Union CD Rates
Ripple Credit Union Savings Rates
Ripple Credit Union Mortgage Rates
Ripple Credit Union Home Equity & HELOC
Ripple Credit Union Auto Loan Rates
Ripple Credit Union Personal Loan Rates
Ripple Credit Union Other Rates
Financial Health HistoryRipple Credit Union’s Texas Ratio fell from 10.92% in Q3 2023 to 3.12% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Ripple Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Ripple Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ripple Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Ripple Credit Union
Website
https://healthcarecu.org
Address
429 N Sawyer St,
Oshkosh, WI 54902-4253
Phone
920-233-1140
Fax
920-426-1151
President
Elizabeth Cummings
CEO
Danielle Hilbert
Full-Time Employees
6
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.12%
Return on Assets (ROA)
0.9890%
Return on Equity (ROE)
6.6655%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
38,873,242
Total Amount of Shares and Deposits
33,052,551
Total Shares and Deposits < 1 Year
32,874,738
Total Shares and Deposits 1 3 Years
177,813
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,300,588
Total Uninsured Shares and Deposits > $250K (F+J)
1,300,588
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,751,963
Total Interest Expense (Sum of items 6 8)
218,116
Share Certificates
360
Number of Accounts for Share Drafts
1,656
IRA KEOGH Accounts
27
Number of Accounts for Regular Shares
3,245
All other shares
464
Non Member Deposits
2
Net Income (unless the amount is already included in Undivided Earnings)
384,437
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,775,894
Total Liabilities
33,105,650
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Ripple Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Ripple Credit Union
Frequently Asked Questions About Ripple Credit UnionDoes Ripple Credit Union offer CDs?Yes. Ripple Credit Union current CD rates include its 10 Month CD Special! at 4.081% APY, its 2 years Two Year CD at 3.546% APY and its 1 year One Year CD at 2.676% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Ripple Credit Union NCUA insured?Yes. Ripple Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Ripple Credit Union?The highest Ripple Credit Union CD rate is its 10 Month CD Special! at 4.081% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Ripple Credit Union offer?Ripple Credit Union CD rates are 1.004% APY for a 3 month CD, 1.762% APY for a 6 month CD, 4.081% APY for a 10 month CD, 2.68% APY for a 12 month CD and 3.55% APY for a 2 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Ripple Credit Union for its full lineup. What is the highest savings rate at Ripple Credit Union?The highest Ripple Credit Union savings rate is its Christmas Savings at 0.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at Ripple Credit Union?The lowest Ripple Credit Union mortgage rate is its Mortgage 10 Year Fixed at 6.00%, verified by MonitorBankRates as of October 29, 2026. Ripple Credit Union mortgage rates are 6.25% for a 15 year mortgage, 6.00% for a 10 year mortgage and 6.07% for a 5 year mortgage. What is the lowest auto loan rate at Ripple Credit Union?The lowest Ripple Credit Union auto loan rate is its New/Used Auto & Motorcycle (2022 & Newer) at 3.74%, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Ripple Credit Union?The lowest Ripple Credit Union personal loan rate is its Unsecured Loans at 10.50%, verified by MonitorBankRates as of October 29, 2026. How many branches does Ripple Credit Union operate?Ripple Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Ripple Credit Union?Yes, to access services at Ripple Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Ripple Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ripple Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Ripple Credit Union offer online and mobile banking?Most modern institutions like Ripple Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://healthcarecu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Ripple Credit Union rates compare?Ripple Credit Union's CD rates are 20% lower than the MonitorBankRates national average, and it has an A+ health rating. Ripple Credit Union's top rates are its 10 Month CD Special! at 4.081% APY, its Christmas Savings at 0.25% APY, its Mortgage 10 Year Fixed at 6.00% and its Unsecured Loans at 10.50% APR, verified by MonitorBankRates on October 29, 2026. Current Ripple Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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