What are the current interest rates at Ripco Credit Union?

Current rates for Ripco Credit Union include: 12-Month CD: 2.78%, 24-Month CD: 3.03%, Savings: 0.15%, MMA: 1.51%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Ripco Credit Union

iAdvertiser Disclosure

Ripco Credit Union Rates & Review October 2026

Q: How many branches does Ripco Credit Union operate?

Ripco 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.

Q: Is a member application needed to join Ripco Credit Union?

Yes, to access services at Ripco 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.

Q: Is there a first-time homebuyer program?

Currently, Ripco 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ripco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Ripco Credit Union's top rates as of October 9, 2026 are 3.29% APY on its 48-Month CD, 0.15% APY on savings, 1.51% APY on money market accounts, 0.15% APY on checking, 5.99% on its 10 Year Fixed Mortgage, personal loans from 8.99% APR, and credit cards from 13.74% APR, according to rates verified by MonitorBankRates. Other Ripco Credit Union CD rates include Traditional 48-Month IRA CD at 3.29%, 24-Month CD at 3.03%, and 36-Month CD at 3.03%. Other Ripco Credit Union mortgage rates include 7 Year Fixed Mortgage at 5.99%, Mobile-friendly Comparison table of Mortgage Rates. - 10 Year Fixed at 5.99%, and Mobile-friendly Comparison table of Mortgage Rates. - 7 Year Fixed at 5.99%. MonitorBankRates evaluates the financial stability of Ripco Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.73%. Rates last updated and verified on 10/09/2026.

Ripco 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 Ripco Credit Union? Share your experience about Ripco Credit Union by leaving a review below, or read customer reviews before you decide to use Ripco Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.73%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Ripco Credit Union
Ripco Credit Union

121 Sutliff Ave
Rhinelander, WI 54501

https://www.ripco.org

Customer Reviews

Be the first to review

Write a Review

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.

Ripco Credit Union CD Rates

Product	Rate	APY	Term
48-Month Share CD	3.25%	3.29%	48-Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Traditional 48-Month IRA CD	3.25%	3.29%	48 months
Min Balance $500 Details Traditional and Roth IRA Rates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
24-Month Share CD	3.00%	3.03%	24-Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
36-Month Share CD	3.00%	3.03%	36-Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Traditional 24-Month IRA CD	3.00%	3.03%	24 months
Min Balance $500 Details Traditional and Roth IRA Rates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Traditional 36-Month IRA CD	3.00%	3.03%	36 months
Min Balance $500 Details Traditional and Roth IRA Rates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
12-Month Educational CD	2.85%	2.88%	12-Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.88% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
12-Month Share CD	2.75%	2.78%	12-Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Traditional 12-Month IRA CD	2.75%	2.78%	12 months
Min Balance $500 Details Traditional and Roth IRA Rates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
3-Month Share CD	0.50%	0.50%	3-Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
6-Month Share CD	0.50%	0.50%	6-Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Savings Rates

Product	Rate	APY
Kids Club	2.00%	2.02%
Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Christmas Club	0.75%	0.75%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Saver's Sweepstakes	0.35%	0.35%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Health Savings	0.15%	0.15%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Everyday Savings	0.10%	0.10%
Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
IRA Savings	0.10%	0.10%
Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Ripco Kids Club	0.10%	0.10%
Min Balance $501 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.50%	1.51%
Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Money Market	1.00%	1.01%
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Money Market	0.50%	0.50%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	0.15%	0.15%
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Rewards Checking	0.10%	0.10%
Min Balance $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Rewards Checking	0.05%	0.05%
Min Balance $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Mortgage	-	-	5.99%	10 Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.00% → 5.99% ▼ 0.01 pts · high 6.00% / low 5.99% Oct 9, 20265.99%▼ from 6.00% Oct 5, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
7 Year Fixed Mortgage	-	-	5.99%	7 Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 5.75% → 5.99% ▲ 0.24 pts · high 5.99% / low 5.75% Oct 9, 20265.99%▲ from 5.75% Oct 5, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 10 Year Fixed	-	-	5.99%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.50% → 5.99% ▲ 0.49 pts · high 6.00% / low 5.50% Oct 9, 20265.99%▼ from 6.00% Sep 22, 20266.00%▲ from 5.75% Sep 18, 20265.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 7 Year Fixed	-	-	5.99%	7 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 5.99% ▲ 0.49 pts · high 5.99% / low 5.50% Oct 9, 20265.99%▲ from 5.75% Sep 22, 20265.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
15 Year Fixed Mortgage	-	-	6.75%	15 Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 9, 20266.75%▲ from 6.50% Oct 5, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
5/1 ARM Mortgage	-	-	6.75%	5/1 ARM
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 15 Year Fixed	-	-	6.75%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 9, 20266.75%▲ from 6.50% Sep 22, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 5/1 ARM	-	-	6.75%	5/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 5, 20266.75%▲ from 6.50% Sep 18, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
20 Year Fixed Mortgage	-	-	7.00%	20 Year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.99% → 7.00% ▲ 0.01 pts · high 7.00% / low 6.99% Oct 9, 20267.00%▲ from 6.99% Oct 5, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
7/1 ARM Mortgage	-	-	7.00%	7/1 ARM
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 20 Year Fixed	-	-	7.00%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 9, 20267.00%▲ from 6.99% Oct 5, 20266.99%▲ from 6.75% Sep 18, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 7/1 ARM	-	-	7.00%	7/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 5, 20267.00%▲ from 6.75% Sep 18, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
10/1 ARM Mortgage	-	-	7.50%	10/1 ARM
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Mobile-friendly Comparison table of Mortgage Rates. - 10/1 ARM	-	-	7.50%	10/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75% Oct 5, 20267.50%▲ from 7.25% Sep 18, 20267.25%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan	-	-	6.75%
Details As Low As; Call us for today's great rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity Land Loan	-	-	7.50%
Details As Low As; Call us for today's great rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
HELOC	-	-	7.75%
Details As Low As; Call us for today's great rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity Home Improvement Personal Loan	-	-	9.00%
Details As Low As; Call us for today's great rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Non-Titled Recreational Loans	-	7.24%	0 - 36 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Non-Titled Recreational Loans	-	7.24%	37 - 48 months
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.29% → 7.24% ▼ 0.05 pts · high 7.29% / low 7.24% Oct 9, 20267.24%▼ from 7.29% Oct 5, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Non-Titled Recreational Loans	-	7.39%	49 - 60 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Non-Titled Recreational Loans	-	7.49%	61 - 72 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Non-Titled Recreational Loans	-	8.24%	73 - 84 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Classic Rewards	-	13.74%
Details As low as* Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 9, 202613.74%▲ from 13.49% Oct 5, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	8.99%	36 months or less
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Home Equity Home Improvement Personal Loan	9.00%
Details As Low As; Call us for today's great rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Signature Loans	9.99%	37-48 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Signature Loans	10.49%	49-60 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Signature Loans	12.99%	61-72 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Ripco Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Loans	-	-	5.99%
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 5.99% ▲ 0.49 pts · high 5.99% / low 5.50% Oct 9, 20265.99%▲ from 5.75% Sep 22, 20265.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Kwik Cash Line of Credit	-	-	13.00%
Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 9, 202613.00%▲ from 12.75% Oct 5, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Titled Collateral Loans	-	-	4.99%	0 - 36 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.24% → 4.99% ▼ 2.25 pts · high 7.24% / low 4.49% Oct 9, 20264.99%▲ from 4.49% Oct 5, 20264.49%▼ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Titled Collateral Loans	-	-	4.99%	37 - 48 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.29% → 4.99% ▼ 2.30 pts · high 7.29% / low 4.54% Oct 9, 20264.99%▲ from 4.54% Oct 5, 20264.54%▼ from 7.29% Sep 18, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Titled Collateral Loans	-	-	5.14%	49 - 60 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.39% → 5.14% ▼ 2.25 pts · high 7.39% / low 4.64% Oct 9, 20265.14%▲ from 4.64% Oct 5, 20264.64%▼ from 7.39% Sep 18, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Titled Collateral Loans	-	-	5.24%	61 - 72 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.49% → 5.24% ▼ 2.25 pts · high 7.49% / low 4.74% Oct 9, 20265.24%▲ from 4.74% Oct 5, 20264.74%▼ from 7.49% Sep 18, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Titled Collateral Loans	-	-	5.99%	73 - 84 months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 8.24% → 5.99% ▼ 2.25 pts · high 8.24% / low 5.49% Oct 9, 20265.99%▲ from 5.49% Oct 5, 20265.49%▼ from 8.24% Sep 18, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Titled Collateral Loans	-	-	6.74%	85 -108 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Titled Collateral Loans	-	-	6.99%	120 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%
Titled Collateral Loans	-	-	7.49%	180 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.73%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Ripco Credit Union’s Texas Ratio rose from 2.09% in Q3 2023 to 5.73% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$189M	5.73%	5.0	A+
March 31, 2026	$189M	3.84%	5.0	A+
December 31, 2025	$184M	6.41%	5.0	A
September 30, 2025	$181M	6.49%	5.0	A
June 30, 2025	$182M	4.01%	5.0	A+
March 31, 2025	$180M	4.02%	5.0	A+
December 31, 2024	$177M	4.03%	5.0	A+
September 30, 2024	$178M	3.98%	5.0	A+
June 30, 2024	$177M	3.17%	5.0	A+
March 31, 2024	$177M	4.63%	5.0	A+
December 31, 2023	$181M	3.59%	5.0	A+
September 30, 2023	$182M	2.09%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Ripco 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 Ripco 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 Ripco Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ripco Credit Union

Website https://www.ripco.org

Address 121 Sutliff Ave, Rhinelander, WI 54501

Phone 715-365-4800

Fax

President Heather Schallock

CEO Jennifer Grinder

Full-Time Employees 51

Part-Time Employees 6

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.73%

Return on Assets (ROA)

0.2266%

Return on Equity (ROE)

2.2688%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

188,760,845

Total Amount of Shares and Deposits

168,568,574

Total Shares and Deposits < 1 Year

161,128,099

Total Shares and Deposits 1 3 Years

6,751,271

Total Shares and Deposits > 3 Years

689,204

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,639,639

Total Uninsured Shares and Deposits > $250K (F+J)

3,639,639

Total Insured Shares and Deposits > $250K (item 17 less item K)

164,928,935

Total Interest Expense (Sum of items 6 8)

541,620

Share Certificates

701

Number of Accounts for Share Drafts

8,880

IRA KEOGH Accounts

600

Number of Accounts for Regular Shares

17,353

All other shares

364

Money Market Shares

284

Net Income (unless the amount is already included in Undivided Earnings)

427,712

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)

22,334,402

Total Liabilities

170,195,469

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Ripco Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/ripco-credit-union-rates-review-67183">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Ripco 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Ripco Credit Union

Frequently Asked Questions About Ripco Credit Union

How many branches does Ripco Credit Union operate?

Ripco 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 Ripco Credit Union?

Yes, to access services at Ripco 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, Ripco 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, Ripco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ripco Credit Union offer online and mobile banking?

Most modern institutions like Ripco 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://www.ripco.org.

Current Ripco Credit Union Rates

12-Month CD2.78%
24-Month CD3.03%
Savings0.15%
MMA1.51%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Ripco Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ripco Credit Union Texas Ratio

Ripco Credit Union Health Trend

Ripco Credit Union CD Rates

Ripco Credit Union Savings Rates

Ripco Credit Union Business Savings Rates

Ripco Credit Union Money Market Rates

Ripco Credit Union Checking Rates

Ripco Credit Union Mortgage Rates

Ripco Credit Union Home Equity & HELOC

Ripco Credit Union RV, Boat and Powersport Loan Rates

Ripco Credit Union Credit Card Rates

Ripco Credit Union Personal Loan Rates

Ripco Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ripco Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ripco Credit Union

How many branches does Ripco Credit Union operate?

Is a member application needed to join Ripco Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ripco Credit Union offer online and mobile banking?

Current Ripco Credit Union Rates

Compare to Other Credit Unions