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On Tap Blog

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Fraud Protection
Reduce Your Risk of Online Fraud
With so much of our lives these days being lived online, we’re also more at risk of a hacker accessing our personal information and using it to steal money, run up purchases, even use our medical coverage.

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Bridging the "Gap" on Car Insurance

High vehicle prices, low down payment, long term financing, negative equity from previous car loan, sales tax, dealer fees, and warranty services financed into the loan can cause the…
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retirement planning
Understanding IRA and 401(k) Accounts
While certainly not the only options available, Individual Retirement Accounts (IRAs) and 401(k) accounts are two of the most common instruments used by American workers to save for their eventual retirement.
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Financial Wellness
Free Trials Aren't Always Free
It’s happened too many times to count: a consumer sees an offer for a free or temporary trial of a product or service, accepts the offer, and then notices (sometimes months later) that there’s a recurring charge on their credit card.
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Cover College Costs with Scholarships
College costs seem to be rising every year, with tuition and fees currently averaging ndow)more than $8,000 per year for in-state students at a state school, to more than $20,000 per year for out-of-state students…
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Jumbo Loans Support Higher Priced Home Purchases
With the average home sale price in the Denver Metro area hitting $487,974 in April and expected to continue rising, access to “jumbo loans” is becoming increasingly important.

Working for Our Members
Because we're a cooperative, On Tap Credit Union is owned by our members who are also our customers, so Instead of working toward increased profitability and returns to stockholders, our focus is on serving the needs of our members.
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Wasted Food = Wasted Money
Americans spent an average of $7,023 on food, both home and out, in 2015, an almost 4 percent increase over 2014. This equates to $135 spent on food each week – yet the USDA reports that we regularly waste one third of the food produced…
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Understanding Home Appraisals
An appraisal is an essential step in any Mortgage process.
It establishes the value of the home to be used as collateral, and determines how much money the lender is willing to loan for a new mortgage and how much cash a homeowner is able to obtain in a refinance or second mortgage.
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When 0% Interest is a Bad Deal
If you think that 0% interest financing you’re being offered sounds too good to be true, you may be right.The reason is that by taking the special financing, you’re inadvertently limiting your other opportunities for negotiation, including access to manufacturer rebates or…