--- title: "On Tap Credit Union Rates - Colorado" description: "Current vehicle loan, heloc, personal loan, credit card, and savings & cd rates from On Tap Credit Union in Colorado. Updated daily with source verification. See who can join On Tap Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/colorado/on-tap" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # On Tap Credit Union Rates - Colorado ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **12-Month Auto Loan** auto_any_12mo | — APR | 5.240% | 12 mo | Standard | | **Auto Loan** auto | — APR | 5.240% | — | Standard | | **RVs, Motorhomes & Boats***** rv | — APR | 8.000% | — | Standard | | **PowerSports Vehicles & Motorcycles**** (ATVs, Jet Skis, etc.)** powersports | — APR | 8.000% | — | Standard | On Tap Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan** heloc | — APR | 5.750% | — | Standard | | **Craft choice HELOC (heloc)** heloc_variable | — APR | 6.250% | — | Standard | On Tap Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.240% | — | Standard | On Tap Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Summit visa** credit_card | — APR | 10.900% | — | Standard | | **Rewards Credit Card** credit_card_rewards | — APR | 13.900% | — | Standard | On Tap Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 29 offers | Product | Published | Rate | Term / condition | Status | | **Peak Tiered Savings** savings | — APY | 0.10% | — | Standard | | **Peak Tiered Savings** savings | — APY | 0.25% | — | Standard | | **Money Market** money_market | — APY | 0.50% | — | Standard | | **Money Market Account ($1,000 – $9,999.99)** money_market | — APY | 0.50% | — | Standard | | **Peak Tiered Savings** savings | — APY | 0.50% | — | Standard | | **Business Money Market Accounts ($2,500 - $24,999)** money_market | — APY | 0.75% | — | Eligibility restricted | | **Money Market Account ($10,000 – $24,999.99)** money_market | — APY | 0.75% | — | Standard | | **Money Market Account ($25,000 – $49,999.99)** money_market | — APY | 1.00% | — | Standard | | **Savings** savings | — APY | 1.00% | — | Standard | | **Business Money Market Accounts ($25,000 - $49,999)** money_market | — APY | 1.00% | — | Eligibility restricted | | **Business Money Market Accounts ($50,000 - $99,999)** money_market | — APY | 1.25% | — | Eligibility restricted | | **Money Market Account ($50,000 – $99,999.99)** money_market | — APY | 1.25% | — | Standard | | **money market account ($1,000,000.00 and Up Regular MM)** money_market | — APY | 2.25% | — | Standard | | **Business Money Market Accounts ($100,000 - $249,999.99)** money_market | — APY | 2.50% | — | Eligibility restricted | | **Money Market Account ($100,000 – $249,999.99)** money_market | — APY | 2.75% | — | Standard | | **Business Money Market Accounts ($250,000 - $999,999.99 Regular MM)** money_market | — APY | 2.75% | — | Eligibility restricted | | **Peak Tiered Savings** savings | — APY | 2.75% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.75% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.78% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.85% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.95% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.10% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.20% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.35% | 60 mo | Standard | | **SAVINGS, INVESTMENT, & LOAN Rates ($0 - $2,499.99** (See Below))** other | — APY | 0.05% | — | Standard | | **SAVINGS, INVESTMENT, & LOAN Rates ($10,000.00 +)** other | — APY | 0.25% | — | Standard | | **SAVINGS, INVESTMENT, & LOAN Rates ($5,000.00 - $9,999.99)** other | — APY | 0.25% | — | Standard | | **SAVINGS, INVESTMENT, & LOAN Rates ($2,500.00 - $4,999.99)** other | — APY | 4.00% | — | Standard | | **SAVINGS, INVESTMENT, & LOAN Rates ($0 - $2,499.99*)** other | — APY | 4.00% | — | Standard | On Tap Credit Union savings & cd rates as of November 12, 2026 On Tap Credit Union is a credit union in Colorado. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/colorado/on-tap) , verified from [On Tap Credit Union's official website](https://www.ontapcu.org/) Loading branch locator… ## About On Tap Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 19.4K Assets $457M Founded 1950 Locations reported 4 NCUA charter 64913 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile payments - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Credit Union of Colorado, A** Golden Office · Golden · CO · 80401 About 7.6 miles away](https://rateapi.dev/credit-unions/colorado/credit-union-of-colorado-a) [**Space Age** SACU - Golden Branch · Golden · CO · 80401 About 8.1 miles away](https://rateapi.dev/credit-unions/colorado/space-age) [**Foothills** Foothills Credit Union - Clear Creek Crossing Branch · Wheat Ridge · CO · 80401 About 8.7 miles away](https://rateapi.dev/credit-unions/colorado/foothills) [**Credit Union of the Rockies** Corporate Office · Golden · CO · 80401-6031 About 9.1 miles away](https://rateapi.dev/credit-unions/colorado/credit-union-of-the-rockies) [**Bellco** Arvada Ridge · Wheat Ridge · CO · 80033 About 11.3 miles away](https://rateapi.dev/credit-unions/colorado/bellco) [**Blue** Superior Marketplace Branch · Superior · CO · 80027-8622 About 11.8 miles away](https://rateapi.dev/credit-unions/wyoming/blue) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join On Tap Credit Union Membership eligibility from On Tap Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on On Tap Credit Union's website. Check the membership page below to confirm whether you qualify. - Location jefferson, denver, boulder, larimer — CO Verified from [On Tap Credit Union's membership page](https://www.ontapcu.org/) . Final membership determination is always made by the credit union. ## Membership rules for On Tap Credit Union Geography 4 counties 4 published paths to membership, last verified August 21, 2026, quoted from On Tap Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Boulder County, CO - Denver County, CO - Jefferson County, CO - Larimer County, CO “we have grown to nearly 20,000 members and serve the communities of Jefferson, Denver, Boulder and Larimer counties.” > [source ↗](https://www.ontapcu.org/) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for On Tap Credit Union? Yes No ## Work at On Tap Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where On Tap Credit Union ranks against Colorado peers. - See which AI assistants fetched On Tap Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Colorado - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=on-tap&state=colorado&code=CO&name=On%20Tap%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does On Tap Credit Union offer? On Tap Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are On Tap Credit Union rates updated? RateAPI verifies On Tap Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get On Tap Credit Union's rate data? Rate data is collected directly from On Tap Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join On Tap Credit Union? On Tap Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 4 counties for On Tap Credit Union, each quoted from On Tap Credit Union's own published membership criteria. ## Related Rate Data Compare On Tap Credit Union's rates against national credit-union benchmarks. [More Colorado credit unions](https://rateapi.dev/credit-unions/colorado) [Colorado auto loan rate leaders](https://rateapi.dev/auto-loan-rates/colorado) [Colorado HELOC rate leaders](https://rateapi.dev/heloc-rates/colorado) [Colorado personal loan leaders](https://rateapi.dev/personal-loan-rates/colorado) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ontapcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track On Tap Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Colorado credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for On Tap Credit Union curl "https://api.rateapi.dev/credit-unions/colorado /on-tap " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## On Tap Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/colorado/on-tap Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp