Credit union · NCUA insured
Ripco Credit Union Savings Rates
Ripco Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Ripco Credit Union’s savings rates compare
Compared with banks and credit unions in Wisconsin, where Ripco Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ripco Credit Union
1.01%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $101
Money Market
Top rate
Marshfield Medical Center Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Ripco Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ripco Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.01%APY
Membership eligibility required (live, work, or own real estate in Oneida, Vilas, Forest, Florence, Langlade, Lincoln or Price County and purchase at least one $5.00 share). $10.00 monthly fee if balance is under $10,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Monthly fee of $10.00 if balance is under $10,000.00. | 0.50% | — | Monthly fee of $10.00 if balance is under $10,000.00. |
| $10,000 – $25,000No monthly fee when maintaining minimum balance of $10,000.00. | 1.01% | $101 | No monthly fee when maintaining minimum balance of $10,000.00. |
| $25,000 and upNo monthly fee when maintaining minimum balance of $10,000.00. | 1.51% | — | No monthly fee when maintaining minimum balance of $10,000.00. |
Sources (4)
- ripco.org/money-market.html
- ripco.org/rates.html
- ripco.org/disclosures.html
- ripco.org/sft1883/servicefeeschedule004.pdf
All captured Sep 18, 2026
Everyday Savings
0.10%APY
Membership eligibility required. Must purchase and maintain at least one share ($5.00) in regular share savings to maintain membership. Interest earned quarterly when balance is above $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upInterest earned quarterly when balance is above $25.00.$25 and up | 0.10% | $10 | Interest earned quarterly when balance is above $25.00. |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Kids Club
0.10%APY
Designed for young savers ages 0-12. Must maintain membership share and a minimum daily balance of $1.00 in the account each day to obtain disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies to the first $500.00 deposited. | 2.02% | — | Applies to the first $500.00 deposited. |
| $501 and upRegular posted savings rate applies to balances over $500.00. | 0.10% | $10 | Regular posted savings rate applies to balances over $500.00. |
Christmas Club
0.75%APY
Dividends paid out annually. Deposits of any amount can be made November through October. Balance automatically transfers to Ripco checking (or savings if no checking) at the end of October, available November 1st. $5 fee assessed on early withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDeposits accepted November through October. $5 fee assessed on early withdrawals.Any balance | 0.75% | $75 | Deposits accepted November through October. $5 fee assessed on early withdrawals. |
Sources (2)
All captured Sep 18, 2026
Saver's Sweepstakes
0.35%APY
Primary account holder must be a Wisconsin, Minnesota, or Illinois resident and a credit union member with a membership share account. Only individuals (or minors with parent/guardian permission or custodial accounts) are eligible. No business/non-consumer entities.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpen for $25 plus purchase of one $5.00 share if not already a member; minimum balance to maintain is $25.00; interest earned quarterly when balance is above $25.00. Account renews annually on anniversary month.Any balance | 0.35% | $35 | Open for $25 plus purchase of one $5.00 share if not already a member; minimum balance to maintain is $25.00; interest earned quarterly when balance is above $25.00. Account renews annually on anniversary month. |
Health Savings
0.15%APY
Must have a high-deductible health plan (HDHP). Includes HSA debit card and checks.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
IRA Savings
0.10%APY
Individual Retirement Account savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.10% | $10 |
Who can join Ripco Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone who lives, works, or owns real estate in Oneida, Forest, Florence, Vilas, Langlade, Lincoln, or Price County.
Membership information collected October 5, 2026.