Ripco Credit Union


Overview / Commentary
715-365-4800
121 Sutliff Ave
Rhinelander, WI 54501

Ripco Credit Union is headquartered in Rhinelander and is the 38th largest credit union in the state of Wisconsin. It is also the 1,322nd largest credit union in the nation. It was established in 1932 and as of December of 2020, it had grown to 42 employees and 12,190 members at 3 locations. Ripco Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Ripco Credit Union is open to those who live, work, or own real estate in the Wisconsin counties of Florence, Forest, Langlade, Lincoln, Oneida, Price, or Vilas.
See current membership details

Reviews (1)

Alright For Checking Account

I had an account with Ripco for many decades. Ripco does a suburb job with online banking. Probably the best bells and whistles around for a Credit Union. Text banking lets you get your balance fast. Check deposits, and mobile banking doesn't seem to have excessive holds like other financial institutions. The ATM's at the branch accept deposits, and won't restrict you to withdrawing in $20.00 increments they give you 10's and $5's. There were times I wasn't happy with them, but overall they did the best they could to make me a returning customer. When I overdrafted the overdraft was usually covered. But they were quick to charge you an overdraft fee. There is no "grace period" or they won't give you anytime to "fix" an overdraft to avoid a fee. The overdraft fee is charged right away. Ripco does not have a limit to the amount of overdrafts that can be charged in a day like banks do. But overall, they are alright. Mortgage loan we had was flawless, had auto loans and they worked with me to allow time to get caught up when I was unemployed. I had personal loans, and overdraft protection. The rates were good, and service was good. The biggest gripe I have with them is not being able to get a hold of someone to discuss my account right away.. Sometimes the main number transfers to voice mail in the middle of the day. And quite a bit of playing telephone tag with a representative. Sometimes returned calls take a long time. Calling them on your break at work is sometimes almost impossible to speak to someone about your account.



Health

Health Grade Components

Overall
NCUA #67183
Year Chartered1932
Employees42
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD5.45%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$163.7MM$136.5MM
LoansQ4 2020vs Q4 2019$89.0MM$89.1MM
DepositsQ4 2020vs Q4 2019$146.4MM$120.3MM
Equity CapitalQ4 2020vs Q4 2019$16.0MM$14.9MM
Loan Loss AllowanceQ4 2020vs Q4 2019$520.00K$577.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$305.00K$771.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$13.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Ripco Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ripco Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$1$501Honey Pot Kids
OTHER TIERS: 0.10% $501+
0.25%--Christmas Club Account
0.10%$25-IRA Savings
0.10%$25-Statement Savings
0.10%$25-Secondary Savings
0.10%$25-Business Savings
0.10%$25-Saver's Sweepstakes

Ripco Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Money Market Index Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k

Ripco Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Dividend-Earning Checking
OTHER TIERS: 0.03% $250 - $5k | 0.08% $5k - $10k

Ripco Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$500-48 Month Share Certificate
0.60%$500-36 Month Share Certificate
0.50%$500-24 Month Share Certificate
0.45%$500-1 Year Educational Share Certificate
0.40%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

Ripco Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$500-48 Month IRA Certificate
0.60%$500-36 Month IRA Certificate
0.50%$500-24 Month IRA Certificate
0.40%$500-12 Month IRA Certificate
Locations


Ripco Credit Union Locations
Branch Office121 Sutliff AveRhinelander, WI 54501
Branch Office633 N Railroad StEagle River, WI 54521
Branch Office665 Coolidge AveRhinelander, WI 54501

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