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On Tap Credit Union

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On Tap Credit Union Rates & Review November 2026

Q: What are the current interest rates at On Tap Credit Union?

Current rates for On Tap Credit Union include: 12-Month CD: 3.85%, 24-Month CD: 3.95%, 60-Month CD: 4.35%, Savings: 2.75%, MMA: 2.75%

Q: What CD terms does On Tap Credit Union offer?

On Tap Credit Union CD rates are 3.85% APY for a 12 month CD, 3.95% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.20% APY for a 4 year CD and 4.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with On Tap Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

On Tap Credit Union's 60 Month Term CDs rates are at 4.35%, 48 Month Term CDs rates are at 4.20%, 36 Month Term CDs rates are at 4.10%, 24 Month Term CDs rates are at 3.95%, 12 Month Term CDs rates are at 3.85%. On Tap Credit Union's savings rates are at 2.75%. On Tap Credit Union's money market rates are at 2.75%. On Tap Credit Union's checking rates are as high as 4.00%. On Tap Credit Union's Personal Loan Rates are as low as 10.24%. On Tap Credit Union's Credit Card Rates are at 10.90%. On Tap Credit Union's CD rates are 40% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of On Tap Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.06%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.06%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

On Tap Credit Union
Coors CU - Admin

4690 Table Mountain Dr
Golden, CO 80403

https://www.ontapcu.org

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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.

On Tap Credit Union CD Rates

Product	Rate	APY	Term
JUMBO Certificates - 60 month	4.362%	4.45%	60 Months
Min Deposit $100,000 Details Minimum opening deposit - $100,000.00; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35% Oct 9, 20264.45%▲ from 4.35% Sep 14, 20264.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Jumbo IRA CD - 60 month	4.362%	4.45%	60 Months
Min Deposit $100,000 Min Balance $100,000 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35% Oct 13, 20264.45%▲ from 4.35% Sep 14, 20264.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
60 Month Term Certificates	4.266%	4.35%	60 Months
Min Deposit $500 Min Balance $500 Details Effective: October 1, 2026; Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Traditional IRA, Roth IRA and SEP IRA Certificate - 60 month	4.266%	4.35%	60 Months
Min Deposit $500 Min Balance $500 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
JUMBO Certificates - 48 month	4.218%	4.30%	48 Months
Min Deposit $100,000 Details Minimum opening deposit - $100,000.00; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 9, 20264.30%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Jumbo IRA CD - 48 month	4.218%	4.30%	48 Months
Min Deposit $100,000 Min Balance $100,000 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Oct 13, 20264.30%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
48 Month Term Certificates	4.121%	4.20%	48 Months
Min Deposit $500 Min Balance $500 Details Effective: October 1, 2026; Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
JUMBO Certificates - 36 month	4.121%	4.20%	36 Months
Min Deposit $100,000 Details Minimum opening deposit - $100,000.00; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10% Oct 9, 20264.20%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Jumbo IRA CD - 36 month	4.121%	4.20%	36 Months
Min Deposit $100,000 Min Balance $100,000 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10% Oct 13, 20264.20%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Traditional IRA, Roth IRA and SEP IRA Certificate - 48 month	4.121%	4.20%	48 Months
Min Deposit $500 Min Balance $500 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
36 Month Term Certificates	4.025%	4.10%	36 Months
Min Deposit $500 Min Balance $500 Details Effective: October 1, 2026; Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Traditional IRA, Roth IRA and SEP IRA Certificate - 36 month	4.025%	4.10%	36 Months
Min Deposit $500 Min Balance $500 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
JUMBO Certificates - 24 month	3.997%	4.05%	24 Months
Min Deposit $100,000 Details Minimum opening deposit - $100,000.00; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 9, 20264.05%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Jumbo IRA CD - 24 month	3.997%	4.05%	24 Months
Min Deposit $100,000 Min Balance $100,000 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 13, 20264.05%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
24 Month Term Certificates	3.88%	3.95%	24 Months
Min Deposit $500 Min Balance $500 Details Effective: October 1, 2026; Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
JUMBO Certificates - 12 month	3.88%	3.95%	12 Months
Min Deposit $100,000 Details Minimum opening deposit - $100,000.00; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 9, 20263.95%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Jumbo IRA CD - 12 month	3.88%	3.95%	12 Months
Min Deposit $100,000 Min Balance $100,000 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 13, 20263.95%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Traditional IRA, Roth IRA and SEP IRA Certificate - 24 month	3.88%	3.95%	24 Months
Min Deposit $500 Min Balance $500 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
12 Month Term Certificates	3.784%	3.85%	12 Months
Min Deposit $500 Min Balance $500 Details Effective: October 1, 2026; Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
JUMBO Certificates - 6 month	3.784%	3.85%	6 Months
Min Deposit $100,000 Details Minimum opening deposit - $100,000.00; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 9, 20263.85%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Jumbo IRA CD - 6 month	3.784%	3.85%	6 Months
Min Deposit $100,000 Min Balance $100,000 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 13, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Traditional IRA, Roth IRA and SEP IRA Certificate - 12 month	3.784%	3.85%	12 Months
Min Deposit $500 Min Balance $500 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
6 Month Term Certificates	3.687%	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details Effective: October 1, 2026; Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Traditional IRA, Roth IRA and SEP IRA Certificate - 6 month	3.687%	3.75%	6 Months
Min Deposit $500 Min Balance $500 Details IRA restrictions apply; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Business CD Rates

Product	Rate	APY	Term
Business Jumbo Certificates - 12 Month CD	3.88%	3.95%	12 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Jumbo Certificates - 6 Month CD	3.784%	3.85%	6 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Term Certificates - 12 Month CD	3.784%	3.85%	12 Months
Details Dividend rate 3.784%; APY 3.85%; Source table labeled 'Youth 12 Month certificates' by the heading-finder, but the matching section in page context is Business Term Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Term Certificates - 6 Month CD	3.687%	3.75%	6 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Savings Rates

Product	Rate	APY
Learn to Earn Savings Club	0.499%	0.50%
Min Deposit $25 Min Balance $25 Details Balance: $25-$3000; Reserved for members 18 years of age and younger; 1 year term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
"You name it" Savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details No minimum opening deposit; Minimum balance to earn stated dividend - $0; Transfer limits apply Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Basic Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Minimum balance required to open and maintain the share account: $5.00; Minimum balance to earn stated dividend: $5.00; Transfer limits apply; Fees can reduce earnings Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Brewster Savings Club	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Effective: October 1, 2026; $5.00 minimum balance required to open and maintain the share account; Dividends compounded monthly, credited monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Learn to Earn Savings Club	0.05%	0.05%
Min Deposit $25 Min Balance $3,000 Details Balance: > $3000; Reserved for members 18 years of age and younger; 1 year term Last Updated 10/29/2026 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: 9.06%
Stout High-Yield Savings	0.05%	0.05%
Min Deposit $50,000 Min Balance $0 Details Balance: $0.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Business Savings Rates

Product	Rate	APY
Business Peak Performance Savings	2.716%	2.75%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $2,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Peak Performance Savings	0.499%	0.50%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Peak Performance Savings	0.25%	0.25%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.01 - $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Savings	0.15%	0.15%
Details Effective: October 1, 2026; APY = Annual Percentage Yield Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Peak Performance Savings	0.10%	0.10%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Money Market Rates

Product	Rate	APY
money market account	2.716%	2.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
money market account	2.716%	2.75%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99; Regular MM Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
money market account	1.243%	1.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
money market account	0.995%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
money market account	0.747%	0.75%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
IRA Money Market Account	0.499%	0.50%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000+; IRA restrictions apply; Minimum balance fee $10 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
money market account	0.499%	0.50%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Accounts	2.716%	2.75%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99; Regular MM Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Money Market Accounts	2.472%	2.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Money Market Accounts	1.243%	1.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Money Market Accounts	0.995%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Money Market Accounts	0.747%	0.75%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Checking Rates

Product	Rate	APY	View More
I.P.A. Checking	3.928%	4.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Qualifying balance up to $2,499.99; Monthly service charge $8 unless criteria met; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Business Checking Rates

Product	Rate	APY
Business Checking Plus	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Checking Plus	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Checking Plus	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 60 Months	-	-	5.75%	60 Months
Details As Low As; Length (up to) 60 Months; fixed rate dependent upon LTV, term, and credit history Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 5.75% ▼ 0.50 pts · high 6.25% / low 5.75% Oct 26, 20265.75%▼ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Home Equity Loan - 120 Months	-	-	6.00%	120 Months
Details As Low As; Length (up to) 120 Months; fixed rate dependent upon LTV, term, and credit history Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.00% ▼ 0.50 pts · high 6.50% / low 6.00% Oct 26, 20266.00%▼ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Craft Choice Home Equity Line of Credit (HELOC)	-	-	6.25%
Details As Low As; Ceiling APR: 21.00%; Variable rate adjusted quarterly, based on WSJ prime rate plus a margin based on LTV and credit history; 180-month draw period Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Home Equity Loan - 180 Months	-	-	6.25%	180 Months
Details As Low As; Length (up to) 180 Months; fixed rate dependent upon LTV, term, and credit history Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.25% ▼ 0.50 pts · high 6.75% / low 6.25% Oct 26, 20266.25%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Auto Loan Rates

Product	Rate	Points	APR
Autos	-	-	5.24%
Details As Low As; APR up to 21.00%; APR based on qualified credit, 80% LTV, 48-month term and auto pay enrollment from an On Tap Credit Union account; includes automatic payment discount Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 5.24% ▲ 0.75 pts · high 5.24% / low 4.49% Oct 9, 20265.24%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
PowerSports Vehicles & Motorcycles (ATVs, Jet Skis, etc.) Loan	-	-	8.00%
Details As Low As; APR up to 21.00%; APR based on qualified credit, 80% LTV, 48-month term and auto pay enrollment; includes automatic payment discount Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 8.00% ▲ 0.51 pts · high 8.00% / low 7.49% Oct 9, 20268.00%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RVs, Motorhomes & Boats Loan	-	8.00%
Details As Low As; APR up to 21.00%; APR based on qualified credit, 80% LTV, 60-month term and auto pay enrollment; includes automatic payment discount Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 8.00% ▲ 0.51 pts · high 8.00% / low 7.49% Oct 9, 20268.00%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Credit Card Rates

Product	Rate	APR
Summit Visa	-	10.90%
Details As Low As; No annual fee. No cash advance fee. Low, fixed-rate credit card product. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Rewards Visa	-	13.90%
Details As Low As; No annual fee. No cash advance fee. Fixed rate. Earn Rewards! points. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans - Unsecured	10.24%
Details As Low As; APR up to 18.00%; APR based on qualified credit, 36-month term and enrollment in auto pay Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Build a Dream Savings Club	0.499%	-	0.50%	1 year
Min Deposit $25 Min Balance $25 Details Balance: $25-$3000; Maximum balance to earn premium rate $3,000.00; One Build a Dream Savings Club per membership; 1 year term; Unlimited additional deposits allowed; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Build a Dream Savings Club	0.05%	-	0.05%	1 year
Min Deposit $25 Min Balance $25 Details Balance: > $3000; One Build a Dream Savings Club per membership; 1 year term; Unlimited additional deposits allowed; Early withdrawal penalties apply Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 0.50% → 0.05% ▼ 0.45 pts · high 0.50% / low 0.05% Oct 26, 20260.05%▼ from 0.50% Oct 13, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

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

On Tap Credit Union’s Texas Ratio rose from 3.68% in Q3 2023 to 9.06% 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 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)

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	$474M	9.06%	5.0	A
March 31, 2026	$457M	8.65%	5.0	A
December 31, 2025	$420M	7.76%	5.0	A
September 30, 2025	$415M	8.39%	5.0	A
June 30, 2025	$387M	6.89%	5.0	A
March 31, 2025	$393M	6.56%	5.0	A
December 31, 2024	$385M	4.21%	5.0	A+
September 30, 2024	$400M	3.62%	5.0	A+
June 30, 2024	$411M	3.36%	5.0	A+
March 31, 2024	$409M	2.26%	5.0	A+
December 31, 2023	$395M	4.48%	5.0	A+
September 30, 2023	$372M	3.68%	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 On Tap 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 On Tap 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 On Tap Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name On Tap Credit Union

Website https://www.ontapcu.org

Address 4690 Table Mountain Dr, Golden, CO 80403

Phone 303-279-6414

Fax

President Kirsten Johnson

CEO Tracie Wilcox

Full-Time Employees 69

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.06%

Return on Assets (ROA)

1.1308%

Return on Equity (ROE)

12.2756%

Non-Performing Loans Ratio (NPL)

1.38%

Total Assets

473,993,726

Total Amount of Shares and Deposits

391,825,719

Total Shares and Deposits < 1 Year

370,164,385

Total Shares and Deposits 1 3 Years

16,222,135

Total Shares and Deposits > 3 Years

5,439,199

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

98,565,268

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

98,565,268

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

293,260,451

Total Interest Expense (Sum of items 6 8)

3,777,579

Share Certificates

2,421

Number of Accounts for Share Drafts

14,277

IRA KEOGH Accounts

797

Number of Accounts for Regular Shares

26,854

All other shares

Money Market Shares

953

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)

71,299,598

Total Liabilities

433,298,489

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

On Tap Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About On Tap Credit Union

Does On Tap Credit Union offer CDs?

Yes. On Tap Credit Union current CD rates include its 60 Month Term CDs at 4.35% APY, its 48 Month Term CDs at 4.20% APY and its 36 Month Term CDs at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from On Tap Credit Union NCUA insured?

Yes. On Tap Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at On Tap Credit Union?

The highest On Tap Credit Union CD rate is its JUMBO CDs - 60 month at 4.45% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does On Tap Credit Union offer?

On Tap Credit Union CD rates are 3.85% APY for a 12 month CD, 3.95% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.20% APY for a 4 year CD and 4.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with On Tap Credit Union for its full lineup.

What is the highest savings rate at On Tap Credit Union?

The highest On Tap Credit Union savings rate is its Business Peak Performance Savings at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at On Tap Credit Union?

The highest On Tap Credit Union money market rate is its Business Money Market Accounts at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at On Tap Credit Union?

The highest On Tap Credit Union checking rate is its I.P.A. Checking at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at On Tap Credit Union?

The lowest On Tap Credit Union auto loan rate is its Autos at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at On Tap Credit Union?

The lowest On Tap Credit Union personal loan rate is its Personal Loans - Unsecured at 10.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at On Tap Credit Union?

The lowest On Tap Credit Union credit card APR is its Summit Visa Credit Card at 10.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does On Tap Credit Union operate?

On Tap 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 On Tap Credit Union?

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

Does On Tap Credit Union offer online and mobile banking?

Most modern institutions like On Tap 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.ontapcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do On Tap Credit Union rates compare?

On Tap Credit Union's CD rates are 40% higher than the MonitorBankRates national average, and it has an A health rating. On Tap Credit Union's top rates are its JUMBO CDs - 60 month at 4.45% APY, its Business Peak Performance Savings at 2.75% APY, its Business Money Market Accounts at 2.75% APY, its I.P.A. Checking at 4.00% APY, its Personal Loans - Unsecured at 10.24% APR and its Summit Visa Credit Card at 10.90% APR, verified by MonitorBankRates on October 29, 2026.

Current On Tap Credit Union Rates

12-Month CD3.85%
24-Month CD3.95%
60-Month CD4.35%
Savings2.75%
MMA2.75%

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

Compare to Other Credit Unions

On Tap Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

On Tap Credit Union Texas Ratio

On Tap Credit Union Health Trend

On Tap Credit Union CD Rates

On Tap Credit Union Business CD Rates

On Tap Credit Union Savings Rates

On Tap Credit Union Business Savings Rates

On Tap Credit Union Money Market Rates

On Tap Credit Union Business Money Market Rates

On Tap Credit Union Checking Rates

On Tap Credit Union Business Checking Rates

On Tap Credit Union Home Equity & HELOC

On Tap Credit Union Auto Loan Rates

On Tap Credit Union RV, Boat and Powersport Loan Rates

On Tap Credit Union Credit Card Rates

On Tap Credit Union Personal Loan Rates

On Tap Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

On Tap Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About On Tap Credit Union

Does On Tap Credit Union offer CDs?

Are CDs from On Tap Credit Union NCUA insured?

What is the highest CD rate at On Tap Credit Union?

What CD terms does On Tap Credit Union offer?

What is the highest savings rate at On Tap Credit Union?

What is the highest money market rate at On Tap Credit Union?

What is the highest checking rate at On Tap Credit Union?

What is the lowest auto loan rate at On Tap Credit Union?

What is the lowest personal loan rate at On Tap Credit Union?

What is the lowest credit card APR at On Tap Credit Union?

How many branches does On Tap Credit Union operate?

Is a member application needed to join On Tap Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does On Tap Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do On Tap Credit Union rates compare?

Current On Tap Credit Union Rates

Compare to Other Credit Unions