Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Online Banking & Bill Pay
On Tap Credit Union's barn door

News and Events

On Tap Credit Union Sponsors “Hops for Homes”

Golden, Colo. (April 2, 2018) - On Tap Credit Union is proud to announce its sponsorship of Habitat for Humanity Metro Denver’s annual craft beer festival, “Hops for Homes,” which raises funds to support local families through affordable home ownership. Featuring 31 local craft breweries, more than 800 supporters are expected to attend the May 12th event being held at the Great Divide Bottling Hall at 3403 Brighton Boulevard in Denver. On Tap’s sponsorship will help cover the cost of the event, with the estimated $30,000 in ticket sales going directly to support the construction of a home for a local family.

October 4, 2017

Your local public library offers a lot more than books these days, and Jefferson County Public Libraries is partnering with nearly 20 area breweries to prove it.

Stouts & Stories, Ales & Tales, a free program, kicked off Sunday and continues through Nov. 15. It aims to entice Jeffco residents to get to know their local library. The lure? Discounted brews, contests and activities, like learning to etch pint glasses and listening to local brewers discuss their work.

How does it work? You pick up a Stouts & Stories, Ales & Tales “passport” at any Jeffco Library or On Tap Credit Union. When you use one of the enclosed coupons at a participating brewery, you’ll receive a stamp. After you collect three stamps, you can choose a prize from the library — a koozie or bottle opener. Collect six stamps and you can pick up a pint glass. The passports also include information about free beer-centric events for adults age 21 or older.

Manager of programming Cindy Jaye said Jeffco Public Library has seen a persistent dip in library use by adults ages 18-35.
“We know through looking at stats and several (in-house) studies that the millennials are underrepresented,” Jaye said. Stouts & Stories, Ales & Tales “seemed like a really good hook for a big audience that we’re not currently attracting.”

Adults generally don’t visit public libraries after high school until they become parents, said promotions and marketing manager Cindy Matthews.

“There’s this 10- to 15-year age gap that we really want to reach back out to and re-engage and help them rediscover everything the library is,” Matthews said. “The library is not the library they remember from their childhood. It is so very different — so much more vibrant.”

The Jeffco team is focusing on “taking the library out of the library,” Matthews said — emphasizing new benefits offered to library users, such as free admission to state parks and museums and free movie, television and audiobook streaming.
“All you need is a library card,” Matthews said.

Stouts & Stories, Ales & Tales emerged from a “Shark Tank”-style pitching process the libraries held to generate ideas to revitalize young-adult interest. Matthews said program organizers chose the idea because local residents “love their beer, and they love learning about beer.”

One of the breweries participating in the program is Lariat Lodge Brewing Co. in Evergreen. The brewery already partners with the Evergreen branch of Jeffco Public Library to host events like trivia nights, and is making a seasonal beer for the program called Quoth the Raven, a Belgian dark strong ale with lingonberry, inspired by an Edgar Allen Poe poem. Quoth the Raven will debut at Lariat Lodge on Nov. 15 during one of the program’s tapping parties.

“The new craft beer scene is exploding … It was the easiest way to get awareness out for the library and what it has to offer,” said Jarret Sutphin, Lariat’s front of house manager.

Brewmaster Eric Rode said Stouts & Stories, Ales & Tales is a “nice way to bring people up (to Evergreen) from down the hill … who might not have tried our brewery. It’s an exciting opportunity for all of us.”

If Stouts & Stories, Ales & Tales is a success, a similar event may follow, Matthews said.

“We think this (program) will be very popular. If it helps young adults be interested in us, we want to find a way to keep them. Maybe (next year) we’ll move on to whiskey, or wine, or cider,” Matthews said.

To get a free passport with beverage discounts, visit any Jeffco Public Library. For more information on upcoming Stouts & Stories, Ales & Tales events, visit

GOLDEN, Colo. (July 10, 2017) – For the sixth year in a row, On Tap Credit Union has been voted “Best Bank/Credit Union in Golden” by the readers of the Golden Transcript, published by Colorado Community Media. On Tap Credit Union was also voted “Best of the Best” for Best Mortgage Company and Best Insurance Agency in Golden.

“We’re pleased that our members and the community see us as a preferred local banking experience,” said On Tap Credit Union CEO Tracie Wilcox. “Our team strives to hand-craft banking solutions tailored to each individual, while continuing to deliver superior customer service. We appreciate the recognition and will continue to deliver our best to our members and our community.”

In May, On Tap Credit Union opened a new branch in Old Towne Arvada. Located at 5675 Olde Wadsworth Blvd., On Tap Credit Union’s Arvada location is a full-service branch, offering a wide range of financial services including mortgage lending, auto financing, financial planning, insurance products, ATM access and other credit union resources.

About On Tap Credit Union
A leader in providing consumers in local Colorado communities with innovative financial solutions for more than 60 years, On Tap Credit Union serves people living and working in Jefferson, Denver, Boulder and Larimer counties. Founded in 1954, the credit union has $226 million in assets and more than 20,000 members, who are also owners of the organization. On Tap Credit Union provides personal consultation and On Tap Financial Services™ to members including vehicle, mortgage and home equity loans, credit cards, insurance, savings and investment products, in addition to financial guidance. For more information, please visit

GOLDEN, Colo. (May 18, 2017) – On Tap Credit Union™, a leader in providing consumers in local Colorado communities with innovative financial solutions for more than 60 years, has announced three winners for its 2017 scholarship program. Emily Johnson and Trace Guzman each received $2,000 to be used for current or planned college studies, and Carly Clark received $2,000 to support her current enrollment in a brewing-related academic program.

According to Tracie Wilcox, On Tap Credit Union president and chief executive officer, the credit union is proud to assist young adults seeking higher education as part of its longstanding tradition of community support.

“Once again, we were thrilled to receive such a strong response to our annual scholarship program and receive so many applications from local students with a passion for learning and community service,” said Wilcox. “Our young adult scholarship recipients this year truly demonstrate leadership qualities, exceptional academic achievement and a desire to improve the quality of life in their communities.”

Emily Johnson has already earned a degree in sociology and is now studying nursing at the University of Colorado. She established a support group for young adults who, like herself, have been diagnosed with Type 1 diabetes, promoting conversation and the sharing of ideas about the challenges, achievements, risks, treatments and exercise regimens associated with a diabetic lifestyle. She also volunteers at community workshops to teach healthcare skills to middle and high school students.

Trace Guzman has been accepted to Stanford University for his strong leadership and academic achievements. As a high school student, Trace helped found a local chapter of "Best Buddies," an international organization which promotes greater understanding of intellectual and developmental disabilities and supports inclusivity among students with a wide variety of backgrounds, ethnicities and social affiliations. His personal goals include continuing to be a community leader, visionary and humanitarian.

Carly Clark is pursuing a bachelor's degree in fermentation science at Colorado State University and is On Tap Credit Union’s first brewing studies scholarship recipient. She is passionate about empowering women and promoting confidence and leadership. She is striving to pave the way for women in the traditionally male-dominated brewing industry.

“On Tap Credit Union is pleased to present our 2017 scholarship awards to these three talented and dedicated future leaders and help them in the pursuit of their academic and community service goals,” said Wilcox.

Arvada, Colo. (May 1, 2017) - Our Arvada Branch located at 7721A Wadsworth Blvd will be closing permanently on Wednesday, May 10 at 12 p.m. 

The nearest Shared Branch is Public Service Credit Union located at 7502 W 80th Ave at Wadsworth Blvd if you need to conduct business in person. Click here to find additional Shared Branches and CO-OP ATMs.

You can also bank anytime, anywhere with online and mobile banking!

Our new Arvada Branch located at
5675 Olde Wadsworth Blvd in Olde Town Arvada
will be open for business on
Saturday, May 13 from 9 a.m. until 1 p.m.

Business hours at the new location will remain the same:
M, T, TH, F 9 a.m. - 6 p.m
W 10 a.m. - 6 p.m.
SA 9 a.m. - 1 p.m.


There are several parking spots at the new branch in addition to street and municipal parking. Click here to download a convenient parking map.

We look forward to serving you soon in our new location!

October 1, 2015, is a big day in the world of credit and debit cards. It is the day that merchants are required to start processing transactions using EMV chip technology versus swiping a magnetic stripe.  So what does all this mean for you?

First, some key details for you to know:

  • EMV chip technology only works at the point of sale where the card is present
  • Consumers ARE NOT required to have EMV chip cards to make purchases
  • Only MERCHANTS are required to be EMV enabled by October 1, 2015
  • Financial institutions are NOT required at any time to issue chip cards

What is EMV?
New "smart" chip cards use EMV (which stands for Europay, MasterCard and Visa) technology, which generates a unique transaction code every time the card is used. These EMV cards have been around since the 1990s, and much of Europe and the U.K. already use them.

No technology can prevent all fraud, but the EMV chip cards are more secure than the traditional magnetic stripe cards. First, it's harder for fraudsters to make a fake physical card. Secondly, even if the bad guys get a hold of the unique transaction code, it's worthless because it works only one time.

Where Does EMV work?
EMV only works at the point of sale where the card is present. EMV will NOT work in the following situations:
  • Paying online
  • Paying over the phone
  • ApplePay, Samsung Pay, or other options where you swipe your phone (digital wallets)
  • Any type of reoccurring payments
  • Any terminal that doesn’t have EMV enabled, even if you are presenting a card with an EMV chip

Who is REQUIRED to be EMV ready?
Only MERCHANTS are required to be EMV enabled by October 1, 2015.  However, data shows that only approximately 314,000 of the 6 million retailers (about 5%) in the U.S. actually have the technology to make the switch today.

Financial institutions are NOT required at any time to issue chip cards.  About 6 out of every 10 financial institutions HAVE NOT issued chip cards as of yet.

Consumers ARE NOT required to have EMV chip cards to make purchases.

What really happens when this goes into effect on October 1, 2015?
The liability for card fraud now shifts to the merchant in certain cases.  Here is a quick breakdown:
  • A merchant has an EMV reader and the bank / credit union does not offer an EMV card – If fraud is committed, the liability rests with the bank / credit union
  • A merchant does not have an EMV reader and the bank / credit union does offer an EMV card – If fraud is committed, the liability rests with the merchant

What has On Tap Credit Union done to be prepared for EMV?
We are looking into issuing EMV chip cards in the future. We are in the process of completing due diligence and developing our timelines for this project.

Where can I find more information?
A great resource for information is
If you have any questions about EMV chip cards and how this transition affects you, please feel free to contact us.

A camper van parked near a lake at susnet