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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 On Tap Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
On Tap Credit Union's JUMBO CDs 60 month rates are at 4.10%, JUMBO CDs 48 month rates are at 4.05%, 60 month Term CDs rates are at 4.00%, 48 month Term CDs rates are at 3.95%, JUMBO CDs 36 month rates are at 3.95%. On Tap Credit Union's savings rates are at 0.05%. On Tap Credit Union's money market rates are at 0.50%. On Tap Credit Union's Personal Loan Rates are at 4.49%. 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 9.08%. Rates were last updated on 04/19/2026. 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. 
On Tap Credit Union CD Rates
On Tap Credit Union Savings Rates
On Tap Credit Union Money Market Rates
On Tap Credit Union Checking Rates
On Tap Credit Union Home Equity & HELOC
On Tap Credit Union Auto Loan Rates
On Tap Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
64
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.08%
Return on Assets (ROA)
0.1516%
Return on Equity (ROE)
1.6608%
Non-Performing Loans Ratio (NPL)
1.16%
Total Assets
415,060,883
Total Amount of Shares and Deposits
343,401,026
Total Shares and Deposits < 1 Year
324,014,921
Total Shares and Deposits 1 3 Years
16,778,973
Total Shares and Deposits > 3 Years
2,607,132
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
47,018,782
Total Uninsured Shares and Deposits > $250K (F+J)
47,018,782
Total Insured Shares and Deposits > $250K (item 17 less item K)
296,382,244
Total Interest Expense (Sum of items 6 8)
5,027,317
Share Certificates
2,887
Number of Accounts for Share Drafts
14,340
IRA KEOGH Accounts
551
Number of Accounts for Regular Shares
26,676
All other shares
27
Money Market Shares
925
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
65,720,408
Total Liabilities
380,160,481
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About On Tap Credit UnionIs On Tap Credit Union a safe place to deposit money?Yes, On Tap Credit Union is considered a safe financial institution. With a Texas Ratio of 9.0767482798937%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current On Tap Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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