Credit union · NCUA insured
On Tap Credit Union CD Rates
Top CarrotOn Tap Credit Union’s best CD rate is 4.45% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How On Tap Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where On Tap Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
On Tap Credit Union
4.35%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,373
Term Certificates
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
On Tap Credit Union CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where On Tap Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificates
Up to 4.45%APY · 6 terms
Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | — |
| 12 months | 3.95% | — |
| 24 months | 4.05% | — |
| 36 months | 4.20% | — |
| 48 months | 4.30% | — |
| 60 months | 4.45% | — |
Sources (3)
- ontapcu.org/earn-the-best-mone…efferson-boulder-larimer
- ontapcu.org/rates
- ontapcu.org/truth-in-saving-disclosure
All captured Oct 4, 2026
Term Certificates
Up to 4.35%APY · 6 terms
Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.85% | $385 |
| 24 months | 3.95% | $806 |
| 36 months | 4.10% | $1,281 |
| 48 months | 4.20% | $1,789 |
| 60 months | 4.35% | $2,373 |
Sources (3)
- ontapcu.org/earn-the-best-mone…efferson-boulder-larimer
- ontapcu.org/rates
- ontapcu.org/truth-in-saving-disclosure
All captured Oct 4, 2026
Special-purpose accounts
Jumbo IRA CD
Up to 4.45%APY · 6 terms
IRA restrictions apply. Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly based on average daily balance. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | — |
| 12 months | 3.95% | — |
| 24 months | 4.05% | — |
| 36 months | 4.20% | — |
| 48 months | 4.30% | — |
| 60 months | 4.45% | — |
Traditional IRA, Roth IRA and SEP IRA Certificates
Up to 4.35%APY · 6 terms
IRA restrictions apply. Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.85% | $385 |
| 24 months | 3.95% | $806 |
| 36 months | 4.10% | $1,281 |
| 48 months | 4.20% | $1,789 |
| 60 months | 4.35% | $2,373 |
Youth 12 Month Certificates
3.85%APY · 1 term
Primary member must be 18 years old or younger (or 17 and younger per marketing overview). Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly based on average daily balance. Additional deposits allowed. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.85% | $385 |
Sources (3)
- ontapcu.org/earn-the-best-mone…efferson-boulder-larimer
- ontapcu.org/rates
- ontapcu.org/truth-in-saving-disclosure
All captured Oct 4, 2026
Who can join On Tap Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.