On Tap Credit Union Home Page
Reach Your Goals Faster With Lower Interest
Consolidate Debt With 6.99% APR* On Balance Transfers For The First Year
Credit Cards
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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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Skip The Payment, Not Your Plans
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SWITCH TO A LOW INTEREST CREDIT CARD FROM ON TAP
Consolidate Debt With 6.99% APR* On Balance Transfers For The First Year
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
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Meet Leslie Larson
Home Loan Consultant at On Tap Credit Union
Home Loan Consultant at On Tap Credit Union
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*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. Federally Insured by NCUA
**Auto Refinance - APR = Annual Percentage Rate. Use Promo Code: REFI26. Offer ends 6/30/26. Offer valid on loans over $7,500. Receive 3 months of no payments and $200 cash back, and 0.50% off your current APR on auto or truck loans refinanced from other institutions. Auto refinance floor rate is as low as 4.49% APR. For example, a $10,000 loan for 60 months at 4.49% APR would have monthly payments of approximately $186.38. Cashback is considered a bonus and may be reported on IRS Form 1099. Interest accrues during the deferral period and may extend loan terms; payments may be made during this period. To qualify, you must be in good standing with On Tap Credit Union (no delinquent or charged-off loans and positive account balances). Loans are subject to credit approval, with conditions and rates varying by loan term, vehicle model year, and creditworthiness. Existing On Tap Credit Union loans are not eligible for refinancing. 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.
*** 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