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Financial Hardship Assistance

YOUR FINANCIAL PARTNER WHEN YOU NEED IT MOST 

At On Tap Credit Union®, we sympathize with the changes that are coming to you, your friends and co-workers and we are here to provide assistance. We have served the people in our community over 65 years through times of success as well as times of struggle. Our financial experts are just one call away with the advice you need in the times you need it most. 

Contact us today!

PERSONALLY CRAFTED SOLUTIONS

Sometimes life takes you down an unplanned adventure which can result in financial hardship. If you or someone you know has been affected by a layoff or an office closure, On Tap Credit Union is here to help. The Credit Union was founded in the Coors Brewery in 1954 and we have stood side by side with Coors employees for over 65 years through the good times and the challenging times.

Here are just some of the ways we can help during times of change: 

 

Debt Restructuring

  • to support reduced income
  • to avoid the loss of assets
  • to help reduce stress
 

Financial Counseling

  • to preserve credit rating or standing
  • to assist in avoiding the need to run up credit card debt
  • to help reduce stress
 

Eliminate restrictions and early withdrawal penalties on certificates.

 
Not a member of On Tap Credit Union, not a problem. Just reach-out and allow us to craft a solution for you.
We are here to help!

Your Deposits at On Tap Credit Union are Federally Insured

With the current economic uncertainty, you can rest assured that your funds at On Tap are federally insured by the National Credit Union Administration up to $250,000 per membership. Individual Retirement Accounts (IRAs) are federally insured up to an additional $250,000. 
Learn more about NCUA insurance.
 

FINANCIAL ASSISTANCE FOR MEMBERS

For current members impacted by recent events surrounding COVID-19, we have numerous solutions in place. Give us a call or visit us online to discuss what options may be available for you. 

  • Flexible Personal Loan options for immediate need to access emergency funds at the lowest rates possible. Please apply here online.
  • Emergency Relief Loan Program available for existing members to access up to 1 month's pay with no collateral and pay no interest for terms up to 5 months. Click here to learn more and apply
  • Loan Deferment Solutions are available here for Auto, Credit Card, Home Equity and Personal Loans. 
  • Increased Debit/ATM Card Limits for expedited access to extra cash when you need it. 
  • Mortgage payment assistance is available.
  • Fee Refunds available for certain charges such as Non-Sufficient Fund (NSF) fees, early withdrawal penalties on certificates, and check or card payment by phone and online will be refunded for impacted members.
  • Debt Restructuring is available to help lower payment, to support reduced income, to avoid the loss of assets, and to help reduce stress.
  • Free Financial Counseling is available to preserve credit rating, to assist in avoiding the need to run up credit card debt, and to help reduce stress.
No matter what your situation is, contact us today to learn more about how we can help. We are proud to serve our members and are ready to craft the solution that is best for you.
 
 
With the current economic uncertainty, you can rest assured that your funds at On Tap are federally insured by the National Credit Union Administration up to $250,000 per membership.  Learn more about NCUA insurance.

Business Account Relief Solutions

For current business members affected by recent events surrounding COVID-19, we have solutions in place. Please take a moment to read below and give us a call to discuss your unique situation in more detail so we can best help support you, your business, and your employees. 

  • Minimum Balance Requirement waived for all business checking accounts.
  • SBA Disaster Assistance Loans up to $2 Million are available. Please visit the SBA website here to apply.
  • Increased Debit/ATM Card Limits for expedited access to extra cash when you need it.
  • Fee Refunds including charges such as Non-Sufficient Fund (NSF) fees, early withdrawal penalties on certificates, and check or card payment by phone and online will be refunded for impacted members.
  • Debt Restructuring is available to help lower payment, to support reduced income, to avoid the loss of assets, and to help reduce stress.
  • Free Financial Counseling is available to preserve credit rating, to assist in avoiding the need to run up credit card debt, and to help reduce stress.
  • Visit the Colorado COVID-19 Business Resource Center by clicking here for economic relief updates and additional resources for Colorado businesses.
  • Navigate Legislative Changes Specific For You by reviewing and comparing your options using this interactive guide from our partner Paychex to better understand what to do, how to qualify, and where to go to get the best support for you and your employees no matter how your business has been impacted. 
  • Arvada Small Business Loans are available through the City of Arvada. To learn more about the Arvada Emergency Business Recovery Initiative and to apply, please visit their website by clicking here 
  • Golden Small Business Loans are available through the City of Golden COVID-19 Business Recovery Loan Program. To learn more and apply, please visit their website by clicking here
We are here to help ensure your business can leverage every opportunity possible to help you and your employees during this time. For more information on how we can craft a solution that is right for your business please connect with us online or give us a call at 303.279.6414 and stay tuned to our blog for regular communications and updates.