Certificates of Deposit
BIGGER PLANS. BIGGER SAVINGS.
EARN HIGHER GAINS ON TERMS THAT MEET YOUR GOALS
RUN THE NUMBERS
START YOUR SAVINGS
NEW TO ON TAP?
Open your new account in less time than it takes to enjoy your favorite beverage.
HAVE QUESTIONS BEFORE YOU START?
CURRENT MEMBER?
Log in to Online or Mobile Banking to add a Certificate of Deposit fastest to your existing account.
Don't have Online or Mobile Banking?
WHAT IS A CERTIFICATE OF DEPOSIT?
Certificates of Deposit earn a higher return on interest than traditional savings accounts. Funds deposited in these accounts are held for a designated period of time which you decide based on your savings goals. When the term is over, you can withdraw the funds plus interest gained or roll the balance over to a new Certificate of Deposit or savings account.
LEARN ABOUT OUR CERTIFICATE OF DEPOSIT
OPTIONS AND RATES
OPTIONS AND RATES
|
Term Certificates
|
|---|
|
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. |
|
Jumbo Certificates
|
|---|
|
For big savers, we offer Jumbo Certificates available for initial deposits of $50,000 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. |
5 YEARS
3.50% APY*
Dividend Rate: 3.445%
4 YEARS
2.75 % APY*
Dividend Rate: 2.716 %
3 YEARS
3.25 % APY*
Dividend Rate: 3.203 %
2 YEARS
3.00 % APY*
Dividend Rate: 2.960 %
1 YEAR
4.00 % APY*
Dividend Rate: 3.928 %
15 MONTHS
5.00 % APY*
Dividend Rate: 4.889 %
6 MONTHS
2.50 % APY*
Dividend Rate: 2.472 %
12 MONTH YOUTH CERTIFICATE
2.75 % APY*
Dividend Rate: 2.716 %
SEE ALL OUR SAVINGS ACCOUNT RATES
NOT SURE WHICH OPTION IS BEST FOR YOU?
Contact us online, at a branch, or over the phone at 303.279.6414.
CRAFTING A FINANCIAL PLAN
FOR AN EVEN BIGGER GOAL?
Whether you’re dreaming of your retirement cabin, starting your own business, or going back to school, Investment and Wealth Management at On Tap Credit Union© is here to help.
We’ll work with you to design a personalized financial strategy for the life you want to live. It’s more than just planning for retirement, it’s about helping you gain a sense of financial independence—now and for the future.
Connect with our professionals and start crafting your plans for the future.
*APY = Annual Percentage Yield.
**6 month CD. APY = Annual Percentage Yield. Minimum opening deposit and balance to earn the stated rate is $500 in new money (funds not on deposit with On Tap as of 3/6/2023). Minimum term to earn stated rate is 6 months. Rate is accurate as of 3/6/2023. Promotion valid for a limited time and subject to change. Early withdrawal penalties apply. Penalties and withdrawals will reduce earnings. Unless you withdraw or transfer the account funds at maturity or within the 10 calendar day grace period, your account will automatically renew to a certificate with the same term at the rate available at that time for that term. Federally Insured by NCUA.
***15 month CD. APY = Annual Percentage Yield. Minimum opening deposit and balance to earn the stated rate is $500. Minimum term to earn stated rate is 15 months. Rate is accurate as of 3/6/2023. Promotion valid for a limited time and subject to change. Early withdrawal penalties apply. Penalties and withdrawals will reduce earnings. Unless you withdraw or transfer the account funds at maturity or within the 10 calendar day grace period, your account will automatically renew to a certificate with the same term at the rate available at that time for that term. Federally Insured by NCUA.
Check the background of investment professionals associated with this site on FINRA's BrokerCheck(Opens in a new Window).
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 Guaranteed |
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.
On Tap Credit Union® provides referrals to financial professionals of LPL Financial LLC (LPL) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
