Rates
Savings And Loan Rates
SAVINGS, INVESTMENT, & LOAN
Rates
| Balance | Dividend Rate | APY* |
|---|---|---|
|
$0 - $2,499.99**
(See Below)
|
0.050 % | 0.05% |
| $0 - $2,499.99* | 3.928 % | 4.00% |
| $2,500.00 - $4,999.99 | 3.928% | 4.00% |
| $5,000.00 - $9,999.99 | 0.250% | 0.25% |
| $10,000.00 + | 0.250% | 0.25% |
Effective: January 1, 2026
Minimum opening deposit: N/A
Monthly Service Charge: $8
Dividends Calculated: Daily
Dividends Credited: Monthly
Balance Method: Average Daily Balance
Criteria to Avoid Monthly Service Charge AND Earn Higher Dividend Rates:
- Sign up for eStatements.
- Make 20 debit card purchases in a calendar month.
- Keep an average daily balance of $2,500 in your checking account, OR $10,000 in all your accounts.
*Annual Percentage Yield
Peak Tiered Savings
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $2,000 | 2.716 % | 2.75 % |
| $2,000.01 - $5,000 | 2.716 % | 2.75 % |
| $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 % |
Effective: January 1, 2026
Minimum opening deposit: $0
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
*Annual Percentage Yield
| Length | Dividend Rate | APY* |
|---|---|---|
| 60 Months | 3.928 % | 4.00 % |
| 48 Months | 3.880 % | 3.95 % |
| 36 Months | 3.784 % | 3.85 % |
| 24 Months | 3.687 % | 3.75 % |
| 12 Months | 3.590 % | 3.65 % |
| 6 Months | 3.494 % | 3.55 % |
Effective: January 1, 2026
Minimum opening deposit: $500.00
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
*Annual Percentage Yield
| Length | Dividend Rate | APY* |
|---|---|---|
| 60 Months | 4.025 % | 4.10 % |
| 48 Months | 3.977 % | 4.05 % |
| 36 Months | 3.880 % | 3.95 % |
| 24 Months | 3.784 % | 3.85 % |
| 12 Months | 3.687 % | 3.75 % |
| 6 Months | 3.590 % | 3.65 % |
Effective: January 1, 2026
Minimum opening deposit: $100,000.00
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
*Annual Percentage Yield
money market account
| 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 | 2.716 % | 2.75 % |
| $250,000 and Up Regular MM | 2.716 % | 2.75 % |
Effective: January 1, 2026
Minimum opening balance: $1000.00
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
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
Account transfer limitations apply
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Fees can reduce earnings
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Fees can reduce earnings
*Annual Percentage Yield
| Dividend Rate | APY* |
|---|---|
| 0.050 % | 0.050 % |
Effective: January 1, 2026
$5.00 minimum balance required to open and maintain the share account
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
*Annual Percentage Yield
Holiday Club account
| Dividend Rate | APY* |
|---|---|
| 0.050% | 0.050 % |
Effective: January 1, 2026
Minimum opening deposit: $0
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
*Annual Percentage Yield
build a dream savings club
| Balance | Dividend Rate | APY* |
|---|---|---|
| $25–$3000 | 0.499% | 0.500 % |
| > $3000 | 0.050% | 0.050 % |
Effective: January 1, 2026
One Build a Dream Savings Club per Membership
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
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
Rates shown are subject to change after account is opened
Fees can reduce earnings
*Annual Percentage Yield
"You name it" Savings
| Dividend Rate | APY* |
|---|---|
| 0.050% | 0.050 % |
Effective: January 1, 2026
Minimum opening deposit: $0
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
*Annual Percentage Yield
Youth 12 Month certificates
| Length | Dividend Rate | APY* |
|---|---|---|
| 12 Months | 3.590% | 3.65% |
Effective: January 1, 2026
Minimum opening deposit: $25.00
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
*Annual Percentage Yield
| Dividend Rate | APY* |
|---|---|
| 0.050% | 0.05% |
Effective: January 1, 2026
$5.00 minimum balance required to open and maintain the share account
Minimum balance required to earn stated dividend: $5.00
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
*Annual Percentage Yield
learn-to-earn savings club
| Balance | Dividend Rate | APY* |
|---|---|---|
| $25–$3000 | 0.499% | 0.50% |
| > $3000 | 0.050% | 0.05% |
Effective: January 1, 2026
One Learn to Earn Savings Club per Membership
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
Rates shown are subject to change after account is opened
*Annual Percentage Yield
| Length | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 3.494 % | 3.55 % |
| 12 Months | 3.590 % | 3.65 % |
| 24 Months | 3.687 % | 3.75 % |
| 36 Months | 3.784 % | 3.85 % |
| 48 Months | 3.880 % | 3.95 % |
| 60 Months | 3.928 % | 4.00 % |
Effective: January 1, 2026
Minimum opening deposit: $500.00
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
*Annual Percentage Yield
jumbo ira cd
| Length | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 3.590 % | 3.65 % |
| 12 Months | 3.687 % | 3.75 % |
| 24 Months | 3.784 % | 3.85 % |
| 36 Months | 3.880 % | 3.95 % |
| 48 Months | 3.977 % | 4.05 % |
| 60 Months | 4.025 % | 4.10 % |
Effective: January 1, 2026
Minimum opening deposit: $100,000.00
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
*Annual Percentage Yield
ira money market accounts
| Balance | Dividend Rate | APY* |
|---|---|---|
| $1,000+ | 0.499% | 0.50 % |
Effective: January 1, 2026
Minimum opening deposit: $1,000
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
*Annual Percentage Yield
| Type | APR* Starting at |
APR* up to
|
|---|---|---|
| Autos** | 4.49 % | 21.00% |
| RVs, Motorhomes & Boats*** | 7.49% | 21.00% |
| PowerSports Vehicles & Motorcycles**** (ATVs, Jet Skis, etc.) | 7.49 % | 21.00 % |
Effective: APRIL 1, 2026
*Annual Percentage Rate (APR) is accurate as of publication date, includes automatic payment discount, and is subject to change. Rate received based on individual's credit history.
**APR is based on qualified credit, 80% LTV (Loan-to-Value), 48-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 4.75% for 48 months would result in an estimated monthly payment of $229.17.
**APR is based on qualified credit, 80% LTV (Loan-to-Value), 48-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 4.75% for 48 months would result in an estimated monthly payment of $229.17.
***APR is based on qualified credit, 80% LTV (Loan-to-Value), 60-month term and enrollment in auto pay. For example, a RV loan with a balance of $10,000 with a 7.49% APR for 60 months would result in an estimated monthly payment of $200.33.
****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 7.49% APR for 48 months would result in an estimated monthly payment of $241.74.
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
****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 7.49% APR for 48 months would result in an estimated monthly payment of $241.74.
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
Home Loans
| Length (up to) |
APR* starting at |
|---|---|
| 60 Months | 6.25% |
| 120 Months | 6.50 % |
| 180 Months | 6.75 % |
Effective: december 26, 2025
This fixed rate product is dependent upon LTV (Loan to Value) ratio, term, and credit history.
For example, an equity loan with a balance of $10,000 with an APR of 6.25% for 60 months would result in a payment of $194.51. Other 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.
Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
*Annual Percentage Rate (APR) is accurate as of publication date and is subject to change.
home equity line of credit (heloc)
| APR* as low as | Ceiling APR* |
|---|---|
| 6.25 % | 21.00% |
Effective: December 26, 2025
This variable rate product can be adjusted quarterly and is based on the prime rate as published by the Wall Street Journal 15 days prior to the start of each quarter plus a margin based on your LTV (loan to value) ratio and credit history.
You can obtain credit advances for 180 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum monthly payment will be established at the time of each advance or change in interest rate at an amount in accordance with the table below, rounded up to the nearest dollar, subject to the lesser of $50 or your account balance.
| Unpaid Balance | Amortization Period |
|---|---|
| Up to $4,999.99 | 60 Months |
| $5,000.00 - $9,999.99 | 72 Months |
| $10,000.00 - $14,999.99 | 84 Months |
| $15,000.00 - $24,999.99 | 96 Months |
| $25,000.00 - $39,999.99 | 108 Months |
| $40,000.00 and Up |
180 Months
|
*Annual Percentage Rate (APR) is accurate as of publication date and is subject to change.
Personal loans
| Type | APR* Starting at | APR* up to |
|---|---|---|
| Unsecured**** | 8.45% | 18.00% |
Effective: December 26, 2025
*Annual Percentage (APR) is accurate as of publication date and is subject to change.
****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 12.25% for 36 months would result in a monthly payment of $333.34.
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
****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 12.25% for 36 months would result in a monthly payment of $333.34.
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
summit visa®
| APR* |
|---|
| As low as 10.90% |
Effective: December 26, 2025
No annual fee
No cash advance fee
Low, fixed-rate credit card product
Rates shown are subject to change
*Annual Percentage Rate (APR)
| APR* |
|---|
| As low as 13.90% |
Effective: December 26, 2025
No annual fee
No cash advance fee
Fixed rate
Rates shown are subject to change
Earn Rewards! points
*Annual Percentage Rate (APR)
| Balance | Dividend Rate |
APY*
|
|---|---|---|
| $0 – $49,999 | 0.100% | 0.10% |
| $50,000 – $99,999 | 0.150% | 0.15% |
| $100,000 + | 0.150% | 0.15% |
Effective: January 1, 2026
*Annual Percentage Yield
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $2,000 | 2.716% | 2.75% |
| $2,000.01 - $5,000 | 2.716% | 2.75% |
| $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% |
Effective: January 1, 2026
Minimum opening deposit: $0
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
*Annual Percentage Yield
Stout High-Yield Savings
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0.00 - $49,999.99 | 0.050% | 0.05% |
| $50,000.00 - Above | 0.995% | 1.00% |
Effective: January 1, 2026
Minimum opening deposit: $50,000.00
Rates shown are subject to change after account is opened
Dividends: compounded monthly; credited monthly
Balance Method: Average Daily Balance
Account Transfer Limitations May Apply
*Annual Percentage Yield
Business Money Market Accounts
| Balance | Dividend Rate |
APY*
|
|---|---|---|
| $2,500 - $24,999 | 0.747% | 0.750 % |
| $25,000 - $49,999 | 0.995% | 1.000 % |
| $50,000 - $99,999 | 1.243% | 1.250 % |
| $100,000 - $249,999.99 | 2.472% | 2.500 % |
| $250,000 and Up Regular MM | 2.716 % | 2.75 % |
Effective: January 1, 2026
*Annual Percentage Yield
Business Term Certificates
| Length | Dividend Rate | APY* |
|---|---|---|
| 6 Month CD | 3.494% | 3.55% |
| 12 Month CD | 3.590% | 3.65% |
Effective: January 1, 2026
*Annual Percentage Yield
Business Jumbo Certificates
| Length | Dividend Rate | APY* |
|---|---|---|
| 6 Month CD | 3.590% | 3.65% |
| 12 Month CD | 3.687% | 3.75% |
Effective: January 1, 2026
*Annual Percentage Yield
Business Savings
|
Dividend Rate
|
APY*
|
|---|---|
| 0.150 % | 0.15 % |
Effective: January 1, 2026
*Annual Percentage Yield
Not sure which accounts are right for your savings plan?
Contact us at 303.279.6414 or request a call online and connect with an expert to discuss our rates and latest information on account options.