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*Auto Refinance - APR = Annual Percentage Rate. Offer valid on loans over $7,500. Receive 3 months of no payments, $200 cash back, and 1% off your current APR on auto or truck loans refinanced from other institutions. Auto refinance floor rate is as low as 5.99% APR. For example, a $10,000 loan for 60 months at 5.99% APR would have monthly payments of approximately $193.34. 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. 

*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 Offer may be withdrawn at any time at the sole discretion of On Tap Credit Union.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.

*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.

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