Refer a new member to On Tap and you'll BOTH get rewarded when they open a new checking account, auto loan, or personal loan.*

Here are just a few reasons to help your loved ones discover the benefits of On Tap:

  • Member owned means fewer fees and better rates on savings and loans
  • No monthly service charges
  • No ATM fees at thousands of CO-OP ATMs nationwide
  • Free Visa® debit card
  • Free On Tap Online and Mobile Banking,** bill pay, and e-statements


  • Anytime, Anywhere Banking
    Anytime, Anywhere Banking
  • Quick, Convenient Access
    Quick, Convenient Access 
  • Member Owned
    Member Owned. Colorado Proud.


Referrals are easy - and so is getting paid! 

  1. Register for our referral program and share your personalized referral link via email or social media.
  2. Collect your cash! Watch your rewards add up as we deposit $25 to your account for each of your friends that opens a new checking, auto loan, or personal loan at On Tap.






*Subject to IRS dividend reporting. Must mention this promotion at the time of account opening to qualify. To qualify for the referral program, all entrants must be at least 18 years of age and a member in good standing with On Tap Credit Union. Youth accounts age 12 and under are not eligible. Referee is paid $150 for a new membership after the new membership account and checking account has been maintained a minimum of six months. Referrer is paid $25 for a new membership referral after the referred membership and checking account has been maintained a minimum of six months. Both referral offers are not valid with any other offers or promotions, additional restrictions may apply. Referrer and referee are paid for loan referral after the referred loan has been funded. Offer excludes existing loans financed through On Tap Credit Union and cannot be combined with any other new member referral offers. Offer subject to change without notice. Additional restrictions may apply. Offer available for a limited time only.

**Data charges may apply.