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Beer Cheers With Friends

Done with your first bank?

Go further when you bank local with a credit union that invests in you and our communities.

Here To Support Your Needs Today and Your Goals For Tomorrow

Brewing Up Crafted Banking Solutions Since 1954

On Tap Credit Union® was founded by 8 Coors employees in the basement of the Golden brewery. Over 70 years later, we have grown to nearly 20,000 members and serve the communities of Jefferson, Denver, Boulder and Larimer counties.

Become A Member

Pour On The Perks When You Bank Local

Member Owned

Member Owned. Colorado Proud.

As a credit union, we’re 100% member owned. That means our profits are put back into our membership and local communities.

Crafted Financial Solutions

Crafted Financial Solutions

Your goals are unique. The path you take and the financial solutions that help to get you there should be too. Your story is important and we want to hear it so we can help to craft the solutions that are right for you.

Shared Branches Nationwide

Local Service - Nationwide Access

We offer 24/7 access to online and mobile banking plus we participate in a CO-OP Shared Branch network, which gives members access to their accounts at more than 5,000 credit union locations and nearly 30,000 surcharge-free ATMs across the country.   

Judgement Free Coaching

Judgement-Free Coaching

Too often, it can feel like money is in charge of your life instead of you. As your local financial partner, we are here to help guide you toward financial freedom by crafting a plan that fits your needs for today and your dreams for tomorrow. 

HAVE QUESTIONS ABOUT HOW MUCH YOU COULD SAVE?

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

 

There's no such thing as one-size-fits-all when it comes to banking. Your savings plan should be individualized to fit your needs for today and your goals for tomorrow. Connect with us online to request a consultation or contact us directly at 303.279.6414 to speak with an expert.

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Any Time, Anywhere Access

Access your On Tap accounts any time, from anywhere, on any device.

 

Move Money and Pay Bills

Set Notifications and Alerts

Track Your FICO Score

Lock Your Debit Card

Pay In Store On With Your Phone

 Update Subscription Payments Instantly

Free ATMs Nationwide

Co-Op Shared Branches Nationwide

Checking account and direct deposit must meet the following criteria:

$500 Direct deposit per month

Ten (10) debit transactions within 60 days of account opening

Account must remain open and in good standing for 6 months

Use Promo Code: CHECKING150

 
$150 Checking - Social Media
Tap Cards

Consolidate Your Debts And Lower Your Payments Fast

6.99% APR* On Balance Transfers For The First Year With A Credit Card From On Tap

Craft Choice HELOC

Lock up to five portions of your balance into fixed‑rate advances to create predictable payments while keeping the rest of your line flexible. 10‑year draw period with a repayment period up to 15 years. 

 

Lock In Now With No Closing Costs and 4.99% APR*

 
Craft Choice HELOC

 

“I have been banking here since I was a child. Always so impressed with the customer service here. I called to get some assistance with my account today, and Gabriel was amazing. I highly recommend banking here. I also have a loan here for a vehicle, and the interest rate was the lowest around.”
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Jordanne S.

On Tap Credit Union Member

Your Next Adventure Is Waiting

Join On Tap Credit Union

 

Prefer Working With An Expert To get set Up?

 
 
 
 
 
 

*Checking $150 offer - Must be a Colorado resident. Use Promo Code: CHECKING150. Offer ends 10/31/26. Cashback is considered a bonus and may be reported on IRS Form 1099. This promotion cannot be combined with any other offer. On Tap Credit Union reserves the right to modify or discontinue this offer at any time without notice. 

*Credit Cards - APR = Annual Percentage Rate. Conditions, restrictions, and credit approval apply. The offer may end at any time. The introductory period is twelve billing cycles from the date the credit card account is opened. The balance of purchases you make during the introductory period will return to your regular qualified rate at the end of the introductory period if you do not pay it in full. After the introductory period, all purchases and balance transfers made will be subject to your qualified APR. Refer to your Credit Card Agreement for complete information. OTCU membership of $5 is required.

 *Home Equity - No closing costs in most cases. Up to $650. Appraisal or third-party fees may apply at the member’s expense. Anything above $650 is member’s expense. For a $250,000 loan, these fees can range from $0 to $1000. If the loan is closed within 36 months of funding, closing costs paid must be reimbursed to the credit union. APR = Annual Percentage Rate. The rate will not exceed 21% APR. This fixed rate will be in effect for the whole term of the applicable fixed-rate subaccount, which cannot exceed the term of the loan. As of 12/26/2025, APR as low as 6.25% based on creditworthiness. Property insurance and security interest in property required. If an appraisal is needed, a fee will be assessed. Other loan closing costs may range from $336 - $1,500. Federally insured by the National Credit Union Administration. Equal Housing Opportunity.