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*Home Equity Loans - APR = Annual Percentage Rate. APR rate and LTV shown in offer is 80% and is based on 60 months. Limited-Time Offer – Ends July 31, 2025. This promotional rate is subject to credit approval and may not be available to all applicants. Loan approval and interest rate are based on factors such as credit history, loan-to-value (LTV) ratio, and loan term. Example: A $25,000 home equity loan at a fixed Annual Percentage Rate (APR) of 6.99% for 60 months would result in a monthly payment of $494.91. Payments do not include taxes or insurance premiums, which may increase your actual payment. Additional rates and terms are available. This offer is not valid for refinancing existing On Tap Credit Union loans or On Tap Credit Union mortgage loans. Offer applies to owner-occupied, insured properties located in Colorado only. A minimum $5 membership share deposit is required. Combined Loan-to-Value (CLTV), rates, terms, and conditions are subject to change without notice. Offer may be withdrawn at any time at the sole discretion of On Tap Credit Union. Other restrictions may apply.

*Auto Loan - APR = Annual Percentage Rate. Rates subject to change without prior notice. Rate received based on individual's credit history. Rates quoted are the lowest available rate to our customers with the automatic payment from an On Tap Credit Union account discount and an additional discount for financing less than 80% of the vehicle value. Rates based on credit score. Federally Insured by the NCUA. Auto loan floor rate is as low as 5.99% APR. Terms vary by vehicle type and amount financed. A $10,000 loan for 48 months at % APR would result in a monthly payment of $234.80. Not all borrowers will qualify for the best rate and terms may vary on amount financed. Finance charges begin at initial open date of loan.

*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.

 * 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