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Money Market Accounts

Earn More With Easy Access To Your Savings When You Need It




Flexible Savings Solutions Crafted For You




WHAT IS A MONEY MARKET ACCOUNT?

Money Market Accounts are savings accounts with a twist - you meet a higher minimum balance, you earn more money, and you still have easy access to your cash.

$25,000+ starting at 1.00% APY*
 
Money Markets have no time frame for maturity, so there's no penalty for early withdrawal, although monthly withdrawal limits apply. There is a minimum opening balance and minimum balance required.
 

 

START YOUR MONEY MARKET ACCOUNT

 

NEW TO ON TAP?

Open your new account in less time than it takes to enjoy your favorite beverage. 

Open a new account

 
 


CURRENT MEMBER?

Log in to Online or Mobile Banking to add an account even faster or follow the link below.

Add ADDITIONAL SAVINGS 


 
 

HAVE QUESTIONS BEFORE YOU START?

Request a call back



 

 

CRAFTING A PLAN FOR A BIGGER FINANCIAL 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.
 
LEARN ABOUT WEALTH MANAGEMENT AT ON TAP
 
REQUEST A CONSULTATION
 
 

























































Frequently Asked Questions

 
What is a Money Market Account?
A Money Market Account is a competitive savings account that typically earns higher dividends than a traditional savings account while providing flexible savings and spending.
 
How does a Money Market Account differ from a savings account?
Money Market Accounts usually offer higher dividend rates and more access, whereas traditional savings accounts may have fewer access options and lower yields.
 
How do I open a Money Market Account with On Tap Credit Union?
You can open a Money Market Account online, in person at one of our locations, or by calling us. We’ll guide you through the process and help determine the best account type for your savings goals.
 
What minimum balance is required for a Money Market Account?
We have absolutely no minimum balance requirements to open a Money Market Account.
 
How do dividends work on a Money Market Account?
Dividends on a Money Market Account are compounded and credited monthly. Higher balances may earn higher dividend rates.
 
Is my Money Market Account insured?
Yes! Your Money Market Account at On Tap Credit Union is federally insured up to applicable limits through the NCUA, providing peace of mind for your savings.
 
How do I check my Money Market Account balance?
You can view your Money Market Account balance anytime through Online Banking, the On Tap mobile app, at an ATM, or by visiting a branch.
 
Why choose a Money Market Account with On Tap Credit Union?
Our Money Market Accounts combine competitive dividend rates with flexible access to your funds and the personalized service On Tap members expect. This makes them an excellent choice for savers seeking both earnings and convenience.
 








*APY = Annual Percentage Yield. Rate is subject to change after account is opened. Minimum balance to receive the advertised rate is $25,000. Minimum opening balance and balance to avoid fees is $1,000. Fees will reduce earnings.




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

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
 

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.