All rates quoted are accurate as
of January 10, 2012. Rates quoted are Annual Percentage Rates (APRs,) are subject
to change without advance notice, and are available only to approved credit.
Please contact Ripco directly for the most current rates.
To apply for a loan online, please log in to "It's Me 247” secure online banking, then choose "New Accounts" and scroll down to "Apply for a Loan Online." If you are not currently a member of Ripco Credit Union you may click on https://obc.itsme247.com/095/what-else/loan/ to complete our online loan application, or call our office at (715) 365-4800 or Toll-Free 1-877-365-4800.
* Membership eligibility is required. If you don’t live, work or own real estate in Oneida, Vilas, Forest, Florence, Langlade, Lincoln or Price County, please call to see if you may qualify for membership. |
Vehicle Loans Home Equity Line of CreditReal Estate Loans
Visa/Mastercard/Visa Gold
Ripco's rate for new vehicles
is as low as 2.99% APR. This rate can be yours for purchase money or to
refinance from another lender.
Representative Payment
Examples:
Type/ Model Year |
Annual Percentage Rate |
Term |
Estimated Monthly Payment per $1000 borrowed (for maximum term) |
Conditions |
New/Used cars/trucks/motorcycles/
Boats/ATV’s
2008 and newer |
As low as
2.99% APR |
up to 36 months |
$29.07 |
Up to 100% financing; new money only |
New/Used cars/trucks/motorcycles/
Boats/ATV’s
2008 and newer |
As low as
3.49% APR |
up to 48 months |
$22.35 |
Up to 100% financing; new money only |
New/Used cars/trucks/motorcycles/
Boats/ATV’s
2008 and newer |
As low as
3.99 % APR |
up to 60 months |
$18.41 |
Up to 100% financing; new money only |
New/Used cars/trucks/motorcycles/
Boats/ATV’s
2008 and newer |
As low as
4.25 % APR |
up to 72 months |
$15.75 |
Up to 100% financing; new money only |
Older vehicles:
Add 1.00% to above rates for model years 2006 – 2007; add 2.00% to above rates for model years 2005 and older. |
|
|
|
|
For example:
Vehicle model year 2006
|
As low as
4.99 % APR |
up to 60 months |
$18.86
|
Up to 100% financing; new money only |
Additional example:
Vehicle model year 2003
|
As low as
5.49 % APR |
up to 48 months |
$23.25 |
Up to 100% financing; new money only |
Personal unsecured/signature loans
(≤$7500) |
As low as
7.99 % APR |
up to 48 months |
$24.40* |
Signature loans will have a minimum monthly pmt of $50 |
We'd like to talk to you about your next real estate purchase or refinance. Ripco does real estate lending. First & Second Mortgages, Home Equity Loans and Lines-of-Credit, FHA Home Improvement Loans and Land purchases.
The following rates are available to qualifying credit; other conditions may apply.
First Mortgages – 36-mo. Balloon |
|
Rates as low as 4.49% APR |
| |
|
|
| First Mortgages – 60-mo. Balloon |
|
Rates as low as 4.99% APR |
| |
|
|
First Mortgage – 15 year Fixed (≤ 70% loan-to-value; credit score 700 or better to qualify.
Representative Payment Example: for a $10,000 loan for 180 months at 5.99% APR, your monthly payment would be approximately $84.33) |
|
Rates as low as 5.25% APR |
| |
|
|
Second Mortgages – 36-mo. Balloon |
|
Rates as low as 6.75% APR |
| |
|
|
Second Mortgages – 72-mo. Fixed
(Representative Payment Example: for a $10,000 loan for 72 months at 7.00% APR, your monthly payment would be approximately $170.49) |
|
Rates as low as 7.00% APR |
| |
|
|
Mobile Homes
Ripco offers several different financing options for the purchase of Mobile Homes. 20% down is required for mobile home purchases, with or without land. Our current rate for a mobile home loan is as low as 7.25 % APR. Please call our office or stop in to see one of our friendly loan professionals for more details. |
|
Rates as low as 7.25% APR |
| Ripco's
Home Equity Line of Credit
We currently offer Variable Rate HELOCs at rates as low as 5.00%. The advertised rate of 5.00% is available as of January 1, 2012, for loans in which the homeowner retains at least 80% equity in the home. Other rates are available for loan-to-value ratios up to 100%. The Annual Percentage Rate advertised is variable, and is adjusted semi-annually on January 1 and July 1 to reflect the Prime Rate as of the preceding December 20 and June 20 respectively. The minimum APR for this loan is 5.00%. The maximum APR for this loan will be 18%.
These offers are subject to credit approval and membership eligibility, and may be withdrawn at any time without prior notice. Closing costs may apply. Please consult a tax advisor regarding the deductibility of interest. |
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|
|
|
Visa Gold (Prime +
2.00%) |
5.25% APR as of 01/11/2012 |
|
Variable Rate Visa/MasterCard (
Prime + 4.00%) |
7.25% APR as of
01/11/2012 |
|
*Variable rate is adjusted quarterly, based on the prime rate as of the 20th of March, June, September and December, and goes into effect on the 11th of April, July, October and January. See printed disclosure for details.
There are no
annual fees on any Ripco Credit Union Visa, MasterCard or Visa Gold. Please see
your credit card Agreement brochure for detailed disclosures and
terms. |
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