Business Savings, Money Market, and Certificates at On Tap

Not all business cash should sit in a checking account earning you nothing in dividends. Many owners need separate buckets for tax holdings, emergency reserves, future equipment, expansion plans, or seasonal swings. That is why the right business banking relationship usually includes more than one account type. (On Tap Business Savings, On Tap Business Accounts)

On Tap’s business savings page makes that explicit. It frames business savings around long-term expansion, unexpected needs, tax holdings, and cash flow management, which is a practical way to speak to how real businesses actually use reserves. (On Tap Business Savings)

For businesses that want a simple reserve account, On Tap lists basic business savings on its business rates page. For businesses that want more yield potential while keeping access to funds, it also offers business money market accounts with tiered rates that currently reach up to 2.75% APY. (On Tap Business Rates, On Tap Business Savings)

For businesses planning further ahead, On Tap also offers business term certificates and jumbo certificates. Its business rate page currently lists business term certificates up to 3.65% APY and business jumbo certificates up to 3.75% APY, though those rates are subject to change and should be rechecked at time of publication. (On Tap Business Rates)

This kind of layered structure can be valuable in a state where small business activity is broad and dynamic. The SBA reports that Colorado had 730,887 small businesses in 2025, with strong representation in professional services, construction, real estate, transportation, retail, and hospitality. Those industries often have very different reserve needs, cash cycles, and growth timelines. (SBA Colorado 2025)

A business money market can make sense for short- to medium-term reserves that still need accessibility. A certificate can make more sense when funds can be set aside for a defined period. A savings account can work for baseline liquidity. The strength of On Tap’s lineup is that it gives owners multiple tools instead of forcing one account to do every job. (On Tap Business Savings, On Tap Business Rates)

For businesses already using On Tap checking, the experience also stays connected. On Tap includes online and mobile banking across its business account ecosystem, which means owners can monitor balances, transfer funds, and manage accounts from one digital environment. (On Tap Business Accounts, On Tap Business Checking)

For a local business in Golden, Arvada, or Denver, that can translate into something simple but meaningful: better visibility into working capital. And when working capital is easier to segment and track, planning usually gets easier too. (On Tap Business Accounts, On Tap Business Savings)

Frequently Asked Questions