Colorado Certificate of Deposit (CD) Rates
EARN THE BEST RATE GAINS ON TERMS THAT MEET YOUR GOALS
BIGGER PLANS. BIGGER 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?
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?
Log in to Online or M
RUN THE NUMBERS
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
5 YEARS
4.00% APY*
Dividend Rate: 3.928%
4 YEARS
3.95 % APY*
Dividend Rate: 3.880 %
3 YEARS
3.85 % APY*
Dividend Rate: 3.784 %
2 YEARS
3.75 % APY*
Dividend Rate: 3.687 %
1 YEAR
3.65 % APY*
Dividend Rate: 3.590 %
6 MONTHS
3.55 % APY*
Dividend Rate: 3.494 %
12 MONTH YOUTH CERTIFICATE
3.65 % APY*
Dividend Rate: 3.590 %
SEE ALL OUR SAVINGS ACCOUNT RATES
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Term Certificates
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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. |
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Jumbo Certificates
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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. |
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Youth 12 Month Certificates
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This exclusive certificate is available for members 17 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. |
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.
Frequently Asked Questions
What is a Certificate of Deposit (CD) at On Tap Credit Union?
A CD (share certificate) is a fixed-term deposit option that pays a higher interest (APY) than a regular savings account. You deposit money for a set period, and at maturity you receive your original deposit plus dividends or you can roll it over into a new CD or savings account.
What CD terms and interest rates does On Tap currently offer?
On Tap offers multiple CD terms: 6 months to 5 years. Interest rates published are updated regularly to reflect current interest rates.
What is the minimum deposit to open a CD, and are there special CD types?
The standard minimum deposit is $500. On Tap also offers Jumbo Certificates for large deposits (minimum $100,000), and a Youth 12-Month Certificate for savers 18 or younger which requires only $25 to open.
How often is interest credited on a CD?
Dividends are compounded monthly and credited monthly based on the average daily balance.
What happens if I withdraw money before the CD term ends?
Withdrawing funds early typically results in an early-withdrawal penalty, which may reduce or forfeit interest earned. Consult a member of our team to learn more about potential penalties for your particular CD if you wish to make a withdrawal.
Can I have multiple CDs or combine a CD with other savings at On Tap?
Yes! Members can open multiple certificates and also hold other savings or share accounts at the same time, giving flexibility in how you allocate your savings.
Do I need to be a member to open a CD at On Tap?
Yes, you must be a member of On Tap Credit Union. If you are not a member, a membership account will be created for you as part of the application process.
ON TAP CREDIT UNION BLOG:
*APY = Annual Percentage Yield.
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:
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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.
