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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 Savings
Lock in a guaranteed return Today with a 12-Month fixed Rate Youth CD
Earn 4.30%
APY*
Dividend Rate: 4.218% - $500 Minimum Balance To Open
Open Access To Long-Term Family Savings
Earn More With A flexible Money Market Account That Increases Returns The More You Save
Earn 1.00% APY**
On Balances $25,000-$49,999.99 - Dividend Rate: 4.793%
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
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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.
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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.
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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.
SEE HOW MUCH YOU COULD EARN wITH A 12-Month Youth CD
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Enjoy More In Life As Your Family Savings Grows With A Flexible Money Market
| 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 | 3.445% | 3.50% |
| $250,000 and Up | 3.445% | 3.50% |
"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."
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.