Credit union · NCUA insured
On Tap Credit Union
Top CarrotA $457M credit union headquartered in Golden, CO, with 19,362 members and 3 branches in Colorado. Best rates: CDs 4.45% and savings 0.75% APY.
On Tap Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#4 of 64 in Denver, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About On Tap Credit Union
Founded in 1954, On Tap Credit Union is a 100% member-owned financial institution.
The credit union serves the communities of Jefferson, Denver, Boulder, and Larimer counties in Colorado.
- Headquarters
- 4690 Table Mountain Dr, Golden, CO 80403
- NCUA charter
- 64913
Branches
3 branches in Colorado
Loading map…
Colorado
3 branches
- Coors CU - Arvada5675 Olde Wadsworth Blvd, Arvada, CO 80002Directions
- CO-OP Shared Branch locations816 Washington Ave, Golden, CO 80401Directions
- Coors CU - Golden816 Washington Ave, Golden, CO 80401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.21% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.38% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.40% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio9.21%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.38%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.40%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of On Tap Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.