|
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 October 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 9, 2026
Ripple Credit Union's top rates as of October 9, 2026 are 4.08% APY on its 10 Month CD Special, 0.25% APY on savings, 6.00% on its 10 Year Fixed Mortgage, and personal loans from 10.50% APR, according to rates verified by MonitorBankRates. Other Ripple Credit Union CD rates include 2 Year Two Year CD at 3.55%, 1 Year One Year CD at 2.68%, and 6 Month Six Month CD at 1.76%. Other Ripple Credit Union mortgage rates include 5 Year ARM Mortgage at 6.07%, and 15 Year Fixed Mortgage at 6.25%. 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 10/09/2026. 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)
Powered by
MonitorBankRates
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.
Looking for more bank and credit union reviews?
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 UnionHow 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. Current Ripple Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Desert Rivers Federal Credit Union
Green Country Federal Credit Union
State Agencies Federal Credit Union
VA Desert Pacific Federal Credit Union
Wisconsin Medical Credit Union
Abilene Teachers Federal Credit Union
Cherokee County Federal Credit Union
Reliant Community Federal Credit Union
Affinity Federal Credit Union
Oregonians Credit Union
Americo Federal Credit Union
PROFINANCE
Scott Credit Union
Dunlop Employees Federal Credit Union
Atomic Credit Union
Baraga County Federal Credit Union
RAH Federal Credit Union
Valley Educators Credit Union
Mercy Federal Credit Union
C&R Credit Union
T & P Longview Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking