Certificates of Deposit
BIGGER PLANS. BIGGER SAVINGS.
EARN HIGHER GAINS ON TERMS THAT MEET YOUR GOALS
NEW TO ON TAP?
HAVE QUESTIONS BEFORE YOU START?
WHAT IS A CERTIFICATE OF DEPOSIT?
OPTIONS AND RATES
Stash your cash from as few as 3 months to as long as 60 months. On Tap Credit Union CDs require a minimum deposit of $500. Dividends are earned and compounded monthly based on your average daily balance. Early withdrawal penalties may apply.
For big savers, we offer Jumbo Certificates available for initial deposits of $100,000 or more. Dividends are earned and compounded monthly based on your average daily balance. Early withdrawal penalties may apply.
Youth 12 Month Certificates
This exclusive certificate is available for members 18 and younger. It requires a minimum deposit of only $25, and you can make additional deposits throughout the term of the certificate. The certificate is available at the same rate as our regular 12-month CD with dividends earned and compounded monthly based on average daily balance. Early withdrawal penalties may apply.
2.75 % APY*
3.25 % APY*
4.00 % APY*
4.50 % APY*
5.00 % APY*
NOT SURE WHICH OPTION IS BEST FOR YOU?
CRAFTING A FINANCIAL PLAN
FOR AN EVEN BIGGER GOAL?
Connect with our professionals and start crafting your plans for the future.
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Securities and advisory services are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. On Tap Credit Union and Investment and Retirement Center located at On Tap Credit Union are not registered as a broker-dealer or investment adviser. Registered representatives of LPL offer products and services using Investment and Retirement Center located at On Tap Credit Union and may also be employees of On Tap Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, On Tap Credit Union or Investment and Retirement Center located at On Tap Credit Union. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any Other Government Agency
Not Credit Union
Not Credit Union Deposits or Obligations
May Lose Value
Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL). GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are nonaffiliated entities. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC.
All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.