

- SAvings
- money market
- Certificates
- IRAs
- Youth accounts
Dividend Rate | APY* |
---|---|
0.050 % | 0.050 % |
Minimum balance to earn stated dividend: $5.00
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Transfer limits apply
Fees can reduce earnings
Balance | Dividend Rate | APY* |
---|---|---|
$0 - $2,000 | 4.889 % | 5.00 % |
$2,000.01 - $5,000 | 4.889 % | 5.00 % |
$5,000.01 - $10,000 | 0.499 % | 0.50 % |
$10,000.01 - $25,000 | 0.250 % | 0.25 % |
$25,000.01 + | 0.100 % | 0.10 % |
Minimum balance to earn stated dividend: $0
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Transfer limits apply
Fees can reduce earnings
Dividend Rate | APY* |
---|---|
0.050% | 0.050 % |
Minimum balance to earn stated dividend: $0
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Transfer limits apply
Fees can reduce earnings
Balance | Dividend Rate | APY* |
---|---|---|
$25–$3000 | 0.499% | 0.500 % |
> $3000 | 0.050% | 0.050 % |
Minimum Opening Deposit: $25.00
Minimum balance to earn stated dividend: $25.00
Maximum Balance to earn premium rate: $3,000.00
Term: 1 year (member can choose initial maturity date to coincide with date of savings goal)
Additional Deposits: Unlimited allowed
Dividends: compounded monthly; credited monthly
Early withdrawal penalties apply
Dividend Rate | APY* |
---|---|
0.050% | 0.050 % |
Minimum balance to earn stated dividend: $0
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Transfer limits apply
Fees can reduce earnings
Balance | Dividend Rate | APY* |
---|---|---|
$1,000 – $9,999.99 | 0.499 % | 0.50 % |
$10,000 – $24,999.99 | 0.747 % | 0.75 % |
$25,000 – $49,999.99 | 0.995 % | 1.00 % |
$50,000 – $99,999.99 | 1.243 % | 1.25 % |
$100,000 – $249,999.99 | 1.736 % | 1.75 % |
$250,000 and Up Regular MM | 1.982 % | 2.00 % |
Minimum required balance to avoid fees: $1000.00
Minimum balance to earn lowest rate listed: $1000.00
Balance method: average daily balance
Fee for minimum balance not met: $10.00
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Fees can reduce earnings
Length | Dividend Rate | APY* |
---|---|---|
60 Months | 3.445 % | 3.50 % |
48 Months | 2.716 % | 2.75 % |
36 Months | 3.203 % | 3.25 % |
24 Months | 2.960 % | 3.00 % |
12 Months | 3.928 % | 4.00 % |
6 Months | 2.472 % | 2.50 % |
Minimum balance required to earn stated rate: $500.00
Monthly account fee: None
Rates shown are subject to change
Dividends: compounded monthly; credited monthly
Early withdrawal penalties apply
Dividend withdrawal: allowed
Additional deposit: not permitted
Length | Dividend Rate | APY* |
---|---|---|
60 Months | 3.542 % | 3.60 % |
48 Months | 2.813 % | 2.85 % |
36 Months | 3.350 % | 3.35 % |
24 Months | 3.057 % | 3.10 % |
12 Months | 4.025 % | 4.10 % |
6 Months | 2.570 % | 2.60 % |
Minimum balance required to earn stated rate: $100,000.00
Balance method: average daily balance
Monthly account fee: none
Rates shown are subject to change
Dividends: compounded monthly; credited monthly
Early withdrawal penalties apply
Dividend withdrawal: allowed
Additional deposit: not permitted
Length | Dividend Rate | APY* |
---|---|---|
12 Months | 2.716% | 2.75% |
Minimum balance required to earn stated rate: $25.00
Balance method: average daily balance
Monthly account fee: None
Rates shown are subject to change
Dividends: compounded monthly; credited monthly
Early withdrawal penalties apply
Dividend withdrawal: allowed
Additional deposit: allowed
Restrictions do apply
Length | Dividend Rate | APY* |
---|---|---|
6 Months | 2.472% | 2.50 % |
12 Months | 3.928 % | 4.00 % |
24 Months | 2.960 % | 3.00 % |
36 Months | 3.203 % | 3.25 % |
48 Months | 2.716 % | 2.75 % |
60 Months | 3.445 % | 3.50 % |
Minimum balance required to earn stated dividend: $500.00
Monthly account fee: None
Rates shown are subject to change
Dividends: compounded Monthly; credited Monthly
Early withdrawal penalties apply
Dividend withdrawal: allowed
Additional deposit: not permitted
IRA restrictions apply
Length | Dividend Rate | APY* |
---|---|---|
6 Months | 2.570 % | 2.60 % |
12 Months | 4.025 % | 4.10 % |
24 Months | 3.057 % | 3.10 % |
36 Months | 3.350 % | 3.35 % |
48 Months | 2.813 % | 2.85 % |
60 Months | 3.542 % | 3.60 % |
Minimum balance to earn lowest stated dividend: $100,000.00
Balance method: average daily balance
Monthly account fee: none
Rates shown are subject to change
Dividends: compounded monthly; credited monthly
Early withdrawal penalties apply
Dividend withdrawal: allowed
Additional deposit: not permitted
IRA restrictions apply
Balance | Dividend Rate | APY* |
---|---|---|
$1,000 – $9,999.99 | 0.499 % | 0.50 % |
$10,000.00 – $24,999.99 | 0.75 % | 0.75 % |
$25,000.00 – $49,999.99 | 1.00 % | 1.00 % |
$50,000.00 – $99,999.99 | 1.243 % | 1.25 % |
$100,000 – $249,999.99 | 1.736 % | 1.75 % |
$250,000 and Up Regular MM | 1.982 % | 2.00 % |
Minimum balance required to earn lowest stated dividend listed: $1,000
Minimum balance fee: $10
Balance method: average daily balance
Monthly account fee: none
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Early withdrawal penalties apply
Dividend withdrawal: allowed
IRA restrictions apply
Dividend Rate | APY* |
---|---|
0.050% | 0.05% |
Minimum balance required to earn stated dividend: $25.00
Balance method: average daily balance
Monthly account fee: none
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Transfer limits apply
Fees can reduce earnings
Balance | Dividend Rate | APY* |
---|---|---|
$25–$3000 | 0.499% | 0.50% |
> $3000 | 0.050% | 0.05% |
Reserved for members 18 years of age and younger
Minimum Opening Deposit: $25.00
Minimum balance to earn stated dividend: $25.00
Maximum Balance to earn premium rate: $3,000.00
Term: 1 year (member can choose initial maturity date to coincide with date of savings goal)
Additional Deposits: Unlimited allowed
Dividends: Compounded and credited monthly based on average Daily Balance
Early withdrawal penalties apply
Fees can reduce earnings
Dividend Rate | APY* |
---|---|
2.716 % | 2.75 % |
Minimum balance to earn stated dividend: $25.00
Balance method: average daily balance
Monthly account fee: none
Rates shown are subject to change
Dividends: compounded monthly; credited monthly
Early withdrawal penalties apply
Dividend withdrawal: allowed
Additional deposit: allowed
*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.
LOAN
Rates
- Loans
- Home Equity Loans
- Credit Cards
Type | APR* Starting at |
APR* up to
|
---|---|---|
Autos** | 6.49 % | 21.00% |
RVs, Motorhomes & Boats*** | 8.74% | 21.00% |
PowerSports Vehicles & Motorcycles**** (ATVs, Jet Skis, etc.) | 8.74 % | 21.00 % |
**APR is based on qualified credit, 80% LTV (Loan-to-Value), 72-month term and enrollment in auto pay from an On Tap Credit Union account. For example, an auto loan with a balance of $10,000 with an APR of 5.74% for 72 months would result in an estimated monthly payment of $164.50.
****APR is based on qualified credit, 80% LTV (Loan-to-Value), 48-month term and enrollment in auto pay. For example, a PowerSports loan with a balance of $10,000 with a 7.99% APR for 48 months would result in an estimated monthly payment of $244.08.
Other discounts, rates and terms are available. Offer not valid on existing loans with On Tap Credit Union. Some restrictions may apply. Offer can expire anytime at the sole discretion of On Tap Credit Union
Type | APR* Starting at | APR* up to |
---|---|---|
Unsecured**** | 12.00% | 18.00% |
****APR is based on qualified credit, 36-month term and enrollment in auto pay. For example, a Personal Loan with a balance of $10,000 with an APR of 9.00% for 36 months would result in a monthly payment of $318.
Other discounts, rates and terms are available. Offer not valid on existing loans with On Tap Credit Union. Some restrictions may apply. Offer can expire anytime at the sole discretion of On Tap Credit Union
Length (up to) |
APR* starting at |
---|---|
60 Months | 7.49% |
120 Months | 7.74 % |
180 Months | 7.99 % |
Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
APR* as low as | Ceiling APR* |
---|---|
3.50 % | 21.00% |
APR* |
---|
As low as 13.90% |
No cash advance fee
Fixed rate
Earn Rewards! points
Rates shown are subject to change
Minimum monthly payment is the greater of $25.00 or 3% of balance outstanding
APR* |
---|
As low as 10.90% |
No annual fee
No cash advance fee
Rates shown are subject to change
25-day grace period of purchases
Minimum monthly payment is the greater of $20.00 or 2% of balance outstanding