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Family In Front Of Fireplace

Family Savings To Make The Season Bright For All

Saving More Is Quick And Easy With A Higher-Interest Youth Certificate Of Deposit (CD) Or Money Market Account

Kids Earn More On Short-Term 12 Month Youth CD Savings

Earn 4.25%
APY*

Dividend Rate: 4.169% - $500 Minimum Balance To Open

 

 

Open Access To Long-Term Money Market Family Savings

Earn 1.00% APY**

On Balances $25,000-$49,999.99 - Dividend Rate: 4.793%

 

 

 

Low Fixed-Rate Holiday Loan Solutions

2%
APR*** Discount

Use Promo Code: HOLIDAYLOAN2024

Fixed Rate Personal Loans - Subject To Credit Approval

 

 

Cut The Cost To Access Your Home Equity

$0 Closing Costs****

Use Promo Code: NOCLOSECOST2024

No Closing Costs In Most Cases - An Appraisal May Be Required At Member Expense

Apply And Start Saving More In Less Than 5 Minutes

HAVE QUESTIONS ABOUT HOW MUCH YOU COULD EARN?

There's no such thing as one-size-fits-all when it comes to balancing your cash reserves. Your savings plan should be individualized to fit your needs for today and your goals for tomorrow. 

We're here to help craft the right solutions for you

Connect with us online to request a consultation or contact us directly at 303.279.6414 to speak with an expert.

Cozy Up Knowing Your Money Is Working Hard For You

Snowman Family With Gifts

Teach Kids The Value Of Saving With A Youth CD

Give your kids the gift of learning good financial habits. A Youth CD earns the best savings and teaches kids the value of planning out savings while they're young so their life can grow bigger and brighter with each passing year.

Sled

Start Your Next Adventure Sooner With Flexible, High-Yield Family Savings

Money Market accounts let you keep your funds available for use when you need them while earning higher rates the more your family savings grows.

Beers Cheers

Craft Financial Solutions The Whole Family Can Say Cheers To

At On Tap Credit Union, we're a member owned financial cooperative dedicated to crafting financial solutions that meet your family's unique needs for today and goals for tomorrow.

Home and Trees With Snow

Tap Into The Equity In Your Home With No Closing Costs

Turn the equity in your home into opportunity with a holiday Home Equity Loan or Home Equity Line Of Credit (HELOC). Our gift to you - more money to enjoy as a family with no closing costs in most cases!

Use Promo Code: NOCLOSECOST2024

Presents

Stay Festive, Not Frazzled With A reduced-Rate Holiday Loan

Cut your qualified rate by up to 2% when you open a fixed-rate holiday loan. With this lower-rate personal loan, you can better manage expenses or consolidate debt to keep the savings going all year round.

Use Promo Code: HOLIDAYLOAN2024

Skip-A-Pay Loan Payment Solutions

Ever wish you could take a break from your monthly loan payments and use the money for something else? You can! Whether you need some buffer through the holiday season or have to deal with an unexpected expense, skipping a payment is easy:  just give us a call, stop by a branch to speak with a Financial Advocate, or sign into online banking and send us a message asking to skip your payment. You can request to skip a payment on qualifying loans** up to two times a year.

SEE HOW MUCH YOU COULD EARN wITH A 12-Month Youth CD

Starting Deposit: $25,000
Term: 12 Months
Annual Percentage Yield: 4.25%
Ending Balance: $26,062.66
 
Total Interest Earned: $1,062.66
 
 
Looking at a different amount?
Kids Opening Present

Enjoy More In Life As Your Family Savings Grows With A Flexible Money Market

Family At Market Looking At Candy

 

Savings Balance Dividend Rate APY*
 $1,000 – $9,999.99

0.499%

 0.50%
 $10,000 – $24,999.99 0.747% 0.75%
 $25,000 – $49,999.99 0.995% 1.00%
 $50,000 – $99,999.99 1.243% 1.25%
$100,000 – $249,999.99 3.203% 3.25%
$250,000 and Up 3.203% 3.25%

 

 

"I went in this afternoon because my CD had matured. I wasn’t sure what to do next with the money. Nikole discussed all the different options available to utilize my funds with the best possible returns. She was quick with calculations and was very patient with me as I took some time to think things thru. I left the building more than happy with the transactions, fully confident that she helped me make the best decisions with my money."
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Christopher B.

On Tap Credit Union Member

Your Next Adventure Is Waiting

Start Earning More From Your Savings In Minutes

Prefer Working With An Expert To get set Up?

Frequently Asked Questions

What is the difference between a Money Market and a Certificate of Deposit?

Money Market Accounts are savings accounts with a twist - you meet a higher minimum balance, you earn more money, and you still have easy access to your cash. Money Markets have no time frame for maturity, so there's no penalty for early withdrawal. There is a minimum opening balance and minimum balance required.

 

Certificates of Deposit (CDs) earn a higher return on interest than traditional savings accounts. Funds deposited in these accounts are held for a designated period of time which you decide based on your savings goals. When the term is over, you can withdraw the funds plus interest gained or roll the balance over to a new Certificate of Deposit or savings account. Additional deposits to a CD are not permitted once the CD has been opened, though you can open an additional CD separately. There is a minimum opening balance and your deposited funds are not able to be accessed without a penalty, however, you are able to withdraw dividends earned at any time. 

Is there a minimum deposit amount required to open a Money Market with On Tap?

Yes, a minimum deposit of $1,000 is required to open this type of savings account and a minimum average daily balance of $1,000 must be maintained. There is no maximum limit on how much you contribute to your Money Market.

Is there a minimum deposit amount required to open a CD with On Tap?

Yes, a minimum deposit of $500 is required to open this type of savings account. There is no maximum limit on how much you contribute to your CD. 

What other CD terms are available?

Short-term or long-term, our CDs are designed to help you meet your savings goals on your schedule. Youth CDs are available for terms of 12 months. For adults, we offer terms from 6 months to 5 years. Explore rates that match your savings goals. 

What happens when my CD term ends?

When the term on your CD ends, your funds can be moved to another account, withdrawn, or rolled over to another CD. This certificate will automatically roll over into a 12-month certificate at the available rate at the time of maturity if no other direction is provided prior to maturity.

Can I withdraw funds from my CD account?

Interest earned on your CD are compounded and credited monthly. You can withdraw these dividends earned at any time with no penalty. Early withdrawal penalties do apply should you withdraw all or a portion of your base deposit amount. 

 
 
 
*Youth CD - APY=Annual Percentage Yield. Minimum opening deposit and balance to earn the stated rate is $500. Minimum term to earn stated rate is 12 months. The rate is accurate as of 12/1/2024. Promotion is valid for a limited time and subject to change. Early withdrawal penalties apply. Penalties and withdrawals will reduce earnings. This certificate will roll over into a 12-month certificate at the available rate at the time of maturity if no other direction is provided prior to maturity.
 
 
 
**Money Market - APY = Annual Percentage Yield. Rate is subject to change after account is opened. Minimum balance to receive the advertised rate is $25,000. Minimum opening balance and balance to avoid fees is $1,000. Fees will reduce earnings.
 
 
***Holiday Loans - APR = Annual Percentage Rate. Not all borrowers will qualify for the lowest rate. Use Promo Code: HOLIDAYLOAN2024
 
 
****Home Equity - No closing costs in most cases. Appraisal or third-party fees may apply at the member’s expense. For a $250,000 loan, these fees can range from $0 to $1000. Use Promo Code: NOCLOSECOST2024
 
 * Skip-A-Pay Loan Solutions - Excludes home loans (including mortgages and home equity lines of credit) and credit cards. In order to qualify, you must not have been late on any On Tap Credit Union loan payment, or have skipped two payments on the loan requested, in the past 12 months. You may not skip two consecutive loan payments. There is a $25 fee per skipped loan payment, which will be deducted from your On Tap Credit Union share or checking account. Interest will continue to accrue during the extension period at the same rate(s) as the original contract(s) and that the term and repayment period of the loan(s) will be extended due to this request. Additional documentation may be required. Additional restrictions may apply.