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On Tap Credit Union Home Page
Important Notice - Activate Your Cards Today
Members Please Note: All members with active debit, credit, business debit, or business credit cards should have received new cards by mail. Activate your cards on or after July 20th. Please take a moment to review how to activate your card.
Haven't received your new card yet?
Contact us directly as soon as possible at 303.279.6414
NEW - Craft Choice Home Equity Line Of Credit (HELOC)
Lock In At 4.99* APR Plus No closing costs in most cases!*
The Flexible HELOC That Give You Control To Lock In Balances
Craft Choice HELOC
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Earn More With Your Regular Checking Activity
I.P.A. Checking makes it simple to earn money, keep your finances safer, and take advantage of smart savings on financial services and everyday discounts.
Earn Interest On Checking
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Celebrating Over 70 Years of Crafting Financial Solutions
Here to support your needs for today and your goals for tomorrow.
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Shop. Tap. Go.
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NEW - CRAFT CHOICE HOME EQUITY LINE OF CREDIT (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 Today With 4.99% APR*
-PLUS-
NO CLOSING COSTS IN MOST CASES* ON HOME EQUITY LINE OF CREDIT (HELOC) AND ALL HOME EQUITY LOAN TERMS UP TO 20 YEARS
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For A Limited Time
Earn an extra $50 for school supplies when you open a new teen or youth account!*
Use Promo Code: YOUTH
-Plus-
Take advantage of youth rewards to earn a $25 or $50 one-time bonus.
TAP CARDS ARE HERE - UPDATE YOUR SUBSCRIPTIONS FASTER
Want an easier way to update all your subscriptions linked to your cards? Online banking includes a card update tool for participating merchants that allows you to update all your important subscriptions fast and easy with just a few quick clicks. Log in to online banking here or enroll for online banking today.
YOUR NEW CARD HAS SOME GREAT NEW BENEFITS
24/7 Enhanced Fraud Monitoring | Digital Wallet | Tap Your Card And Go
Lock Or Unlock Your Cards Anytime In Online Or Mobile Banking
Update Subscriptions Fast And Easy In One Place With Online Or Mobile Banking
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.
FEATURED RATES
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Brewing Up Crafted Banking Solutions Since 1954
On Tap® 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.
On Tap Online and Mobile Banking
Access your On Tap accounts any time, from anywhere, on any device.
Visit the App Store or Google Play to download the On Tap Mobile Banking app for your Android or iPhone.
Already a member? Sign up now for this convenient service!
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“We were able to consolidate our debts into one credit card with a lower interest rate. We refinanced both our cars and we are now credit card debt free!! This means more vacation time for the family!”
Jennifer C. Member Since 2008
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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
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.
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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
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.
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Our 5-step process crafts solutions to simplify banking and help you make confident financial decisions with all of your banking needs conveniently "On Tap."
What's On Tap
Get the latest news and information.
COLORADO BREWERS GUILD
LEARN MORE ABOUT OUR PARTNERSHIP
FIND THE LATEST ON TAP NEWS AND EVENTS
FIND OUT MORE!
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NO CLOSING COSTS IN MOST CASES*
ON HOME EQUITY LINE OF CREDIT (HELOC) AND ALL HOME EQUITY LOAN TERMS UP TO 20 YEARS
*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.
**Youth Account Bonus - Subject to IRS dividend reporting. New accounts only. A $5 par membership share with On Tap Credit Union is required. Account contributions must be made for three consecutive months, and quiz participation (on qualifying teen accounts) must be completed within 90 days of account opening to qualify. Promotion subject to change. Must use promo code YOUTH at the time of account opening to qualify. Add’l $50 bonus will come in the form of a gift card. Colorado residents only. Account must remain open and in good standing for 12 months. On Tap Credit Union reserves the to right to end this offer at any time.
*** 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.
Federally Insured By The NCUA