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%

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On Tap Credit Union

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On Tap Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

On Tap Credit Union's top rates as of October 9, 2026 are 4.45% APY on its 60 Month IRA CD, 2.75% APY on savings, 2.75% APY on money market accounts, 4.00% APY on checking, personal loans from 10.24% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other On Tap Credit Union CD rates include 60 Month JUMBO CD at 4.45%, 60 Month Term CD at 4.35%, and 60 Month Traditional IRA CD at 4.35%. 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 10/09/2026.

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 Q2 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
60 Month IRA CD	4.362%	4.45%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
60 Month JUMBO certificate	4.362%	4.45%	60 Months
No additional details. Last Updated 10/09/2026 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%
60 Month Term certificate	4.266%	4.35%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25% Oct 9, 20264.35%▲ from 4.25% Sep 18, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
60 Month Traditional IRA Certificate	4.266%	4.35%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25% Oct 9, 20264.35%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
48 Month IRA CD	4.218%	4.30%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
48 Month JUMBO certificate	4.218%	4.30%	48 Months
No additional details. Last Updated 10/09/2026 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%
36 Month IRA CD	4.121%	4.20%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
36 Month JUMBO certificate	4.121%	4.20%	36 Months
No additional details. Last Updated 10/09/2026 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%
48 Month Term certificate	4.121%	4.20%	48 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10% Oct 9, 20264.20%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
48 Month Traditional IRA Certificate	4.121%	4.20%	48 Months
No additional details. Last Updated 10/09/2026 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%
36 Month Term certificate	4.025%	4.10%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 9, 20264.10%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
36 Month Traditional IRA Certificate	4.025%	4.10%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 9, 20264.10%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
24 Month IRA CD	3.997%	4.05%	24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
24 Month JUMBO certificate	3.997%	4.05%	24 Months
No additional details. Last Updated 10/09/2026 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%
12 Month IRA CD	3.88%	3.95%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
12 Month JUMBO certificate	3.88%	3.95%	12 Months
No additional details. Last Updated 10/09/2026 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%
24 Month Term certificate	3.88%	3.95%	24 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85% Oct 9, 20263.95%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
24 Month Traditional IRA Certificate	3.88%	3.95%	24 Months
No additional details. Last Updated 10/09/2026 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%
12 Month Term certificate	3.784%	3.85%	12 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
12 Month Traditional IRA Certificate	3.784%	3.85%	12 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
6 Month IRA CD	3.784%	3.85%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
6 Month JUMBO certificate	3.784%	3.85%	6 Months
No additional details. Last Updated 10/09/2026 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%
Youth 12 Month certificate	3.784%	3.85%	12 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
6 Month Term certificate	3.687%	3.75%	6 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 9, 20263.75%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
6 Month Traditional IRA Certificate	3.687%	3.75%	6 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 9, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded 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 12 Month CD	3.88%	3.95%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business 12 Month CD	3.784%	3.85%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business 6 Month CD	3.784%	3.85%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business 6 Month CD	3.687%	3.75%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Savings Rates

Product	Rate	APY
Peak Tiered Savings	2.716%	2.75%
Min Balance $0 Details Balance: $0 - $2,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Peak Tiered Savings	2.716%	2.75%
Min Balance $2,000 Details Balance: $2,000.01 - $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Savings Accounts	-	2.75%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Stout High-Yield Savings	0.995%	1.00%
Min Balance $50,000 Details Balance: $50,000.00 - Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Build a Dream Savings Club	0.499%	0.50%
Min Balance $25 Details Balance: $25-$3000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Learn-to-Earn Savings Club	0.499%	0.50%
Min Balance $25 Details Balance: $25-$3000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Peak Tiered Savings	0.499%	0.50%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Peak Tiered Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Peak Tiered Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.01 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
"You name it" Savings	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Basic savings Account	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Brewster savings club	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Build a Dream Savings Club	0.05%	0.05%
Min Balance $3,000 Details Balance: > $3000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Learn-to-Earn Savings Club	0.05%	0.05%
Min Balance $3,000 Details Balance: > $3000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Stout High-Yield Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 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 Balance $0 Details Balance: $0 - $2,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Peak Performance Savings	2.716%	2.75%
Min Balance $2,000 Details Balance: $2,000.01 - $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Peak Performance Savings	0.499%	0.50%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Peak Performance Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Savings	0.15%	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Business Peak Performance Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.01 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 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 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
IRA Money Market Account	0.499%	0.50%
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 3 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Checking Rates

Product	Rate	APY
I.P.A. Checking	3.928%	4.00%
Min Balance $0 Details Balance: $0 - $2,499.99* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
I.P.A. Checking	3.928%	4.00%
Min Balance $2,500 Details Balance: $2,500.00 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
I.P.A. Checking	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
I.P.A. Checking	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000.00 + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
I.P.A. Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99**; See Below Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 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 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 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
Craft choice home equity line of credit (heloc)	-	-	6.25%
Details Ceiling APR: 21.00% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Home equity loan	-	-	6.50%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Home equity loan	-	-	6.75%	120 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 2, 20266.75%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Home equity loan	-	-	7.00%	180 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 18, 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
auto loans	5.24%	-	5.24%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
PowerSports Vehicles & Motorcycles (ATVs, Jet Skis, etc.) Loan	-	-	8.00%
Details APR up to 21.00% Last Updated 10/09/2026 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 APR up to 21.00% Last Updated 10/09/2026 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
Rewards Visa	-	10.90%
Details Published APR range: 10.90% to 21.00%. Regular qualified APR. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.90% → 10.90% ▼ 3.00 pts · high 13.90% / low 10.90% Oct 9, 202610.90%▼ from 13.90% Sep 14, 202613.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Summit Visa	-	10.90%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Rewards visa	-	13.90%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 5 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
Unsecured Loan	10.24%
Details APR* up to 18.00% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.45% → 10.24% ▲ 1.79 pts · high 10.24% / low 8.45% Oct 9, 202610.24%▲ from 8.45% Sep 14, 20268.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%

On Tap Credit Union Other Rates

Product	Rate	Points	APY/APR
Autos	-	-	5.24%
Details APR up to 21.00% Last Updated 10/09/2026 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%
Chase Loan	-	-	14.99%
Details Balance Transfer APR: 14.99%; Cash Advance APR: 24.99%; Balance Transfer Fee: $5 or 5% Of Each Transfer (Whichever Is Higher); Cash Advance Fee: $10 or 2.5% Of Each Transaction (Whichever Is Higher) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 14.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
FirstBank Loan	-	-	15.15%
Details Balance Transfer APR: 18.15%; Cash Advance APR: 18.15%; Balance Transfer Fee: $2 or 2.5% Of Each Transfer (Whichever Is Higher); Cash Advance Fee: $2 or 2.5% Of Each Transaction (Whichever Is Higher) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 15.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
On Tap Summit Rewards Loan	-	-	10.90%
Details Purchase APR: 10.90%-13.90%; Balance Transfer APR: 10.90%-13.90%; Cash Advance APR: 10.90%-13.90%; Balance Transfer Fee: $0; Cash Advance Fee: $0 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.90% → 10.90% ▼ 3.00 pts · high 13.90% / low 10.90% Sep 18, 202610.90%▼ from 13.90% Sep 14, 202613.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.06%
Regular MM	2.716%	-	2.75%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY 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

Q2 2026 MBR Health & Safety Badge

On Tap Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/on-tap-credit-union-rates-review-64913">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for On Tap Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for On Tap Credit Union

Frequently Asked Questions About On Tap Credit Union

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

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.

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On Tap Credit Union Rates & Review October 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

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?

Current On Tap Credit Union Rates

Compare to Other Credit Unions