Refer a new member to On Tap and get rewarded when they:

1) Open a checking account with a direct deposit (min of $500/month) AND use their debit card within the first 60 days*

2) Open a personal loan*

3) Open an auto 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 completes one of the actions mentioned above.



Terms & Conditions

*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 are not eligible. Referrer can earn up to $75 per person they refer and can refer a maximum of 3 people per day. Referrer will receive account credits within 90 days of qualifying events including 1) account opening with active direct deposit of $500 per month for 3 months and debit card usage within the first 60 days 2) auto loan funding 3) personal loan funding. Referral offer is not valid with any other offers or promotions, additional restrictions may apply. 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.