On Tap Credit Union High-Yield Savings & Money Market Rates

How On Tap Credit Union’s savings 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
0.75%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$75
Money Market Account
Top rate
Westerra Credit Union
6.00%APY
Requires
Another account
Minimum
—
Earns on $10,000 a year
$600
Westerra Credit Union rates
2nd-highest rate
Solera
4.34%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$434
Solera rates

Compare savings rates near you →

Savings score

Higher than 87% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.75%
$10,000 balance$10,0001.63%
$100,000 balance$100,0002.75%
QualifiedQualified1.63%

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.

How the score works →

Where On Tap Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Account

0.75%APY$1,000 to open

Minimum opening balance of $1,000. Minimum balance to avoid a $10 fee is $1,000. Average daily balance method. Dividends compounded and credited monthly. Account transfer limitations apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $10,000Minimum required balance to avoid $10 fee is $1,000.00.	0.50%	—	Minimum required balance to avoid $10 fee is $1,000.00.
$10,000 – $25,000Minimum required balance to avoid $10 fee is $1,000.00.	0.75%	$75	Minimum required balance to avoid $10 fee is $1,000.00.
$25,000 – $50,000Minimum required balance to avoid $10 fee is $1,000.00.	1.00%	—	Minimum required balance to avoid $10 fee is $1,000.00.
$50,000 – $100,000Minimum required balance to avoid $10 fee is $1,000.00.	1.25%	—	Minimum required balance to avoid $10 fee is $1,000.00.
$100,000 – $250,000Minimum required balance to avoid $10 fee is $1,000.00.	2.75%	—	Minimum required balance to avoid $10 fee is $1,000.00.
$250,000 – $1,000,000Regular MM tier. Minimum required balance to avoid $10 fee is $1,000.00.	2.75%	—	Regular MM tier. Minimum required balance to avoid $10 fee is $1,000.00.

Sources (2)

All captured Oct 4, 2026

Peak Tiered Savings

1.62%APY on $10,000

Limit one Peak Tiered Savings account per member account/social security number. Dividends compounded and credited monthly. Transfer limits apply. Rates subject to change after account is opened.

Part of the balance	Rate on that part
Up to $2,000	2.72%
$2,000 – $5,000	2.72%
$5,000 – $10,000	0.50%
$10,000 – $25,000	0.25%
Over $25,000	0.10%

On $10,000 the tiers blend to about 1.62% APY, earning $162 a year.

Sources (4)

All captured Oct 15, 2026

Stout High-Yield Savings

0.05%APY$50,000 to open

Dividends compounded and credited monthly. Balance method is average daily balance. Account transfer limitations may apply. Minimum opening deposit $50,000.00. No monthly account fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Rate on balances $0.00 - $49,999.99.	0.05%	$5	Rate on balances $0.00 - $49,999.99.
$50,000 and upRate on balances $50,000.00 and above.	1.00%	—	Rate on balances $50,000.00 and above.

Sources (2)

All captured Oct 15, 2026

"You Name It" Savings

0.05%APY

Secondary savings account customizable by name. Dividends compounded and credited monthly. Transfer limits apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum opening deposit. Minimum balance to earn stated dividend is $0. Monthly account fee: None.Any balance	0.05%	$5	No minimum opening deposit. Minimum balance to earn stated dividend is $0. Monthly account fee: None.

Sources (3)

All captured Oct 15, 2026

Basic Savings Account

0.05%APY$5 to open

Membership share account required. Dividends compounded and credited monthly. Transfer limits apply. No monthly account/service charge.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and up$5.00 minimum balance required to open, maintain the share account, and earn stated dividend. No monthly service charge.$5 and up	0.05%	$5	$5.00 minimum balance required to open, maintain the share account, and earn stated dividend. No monthly service charge.

Sources (3)

All captured Oct 15, 2026

Special-purpose accounts

IRA Money Market Account

0.50%APYIRA$1,000 to open

Minimum opening deposit of $1,000. Minimum balance fee of $10 if minimum balance not met. Average daily balance method. Dividends compounded and credited monthly. Early withdrawal penalties and IRA restrictions apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 and upMinimum balance fee of $10 applies. Early withdrawal penalties apply. IRA restrictions apply.$1,000 and up	0.50%	$50	Minimum balance fee of $10 applies. Early withdrawal penalties apply. IRA restrictions apply.

Sources (1)

ontapcu.org/rates · captured Oct 4, 2026

Build a Dream Savings Club

0.05%APY · 1 termClubFrom $25 to open

One Build a Dream Savings Club per membership. 1 year term with option to choose initial maturity date to coincide with date of savings goal. Unlimited additional deposits allowed. Dividends compounded and credited monthly. Early withdrawal penalties apply ($5 to withdraw, $25 to close).

Earnings on $10,000 over the term.
Term	APY · Up to $3,000	APY · $3,000 and up	APY	Earns on $10,000Earns
12 monthsPremium rate on balances up to $3,000.00	0.50%	—	—0.50% $25–$3k	—
12 monthsRate for balances over $3,000.00	—	0.05%	0.05%	$5

Sources (3)

All captured Oct 15, 2026

Learn-to-Earn Savings Club

0.05%APY · 1 termKids and teensFrom $25 to open

Reserved for members 18 years of age and younger. One Learn to Earn Savings Club per membership. 1 year term (member can choose initial maturity date to coincide with date of savings goal). Unlimited additional deposits allowed. Dividends compounded and credited monthly based on average daily balance. Early withdrawal penalties apply ($1 to withdraw, $10 to close).

Earnings on $10,000 over the term.
Term	APY · Up to $3,000	APY · $3,000 and up	APY	Earns on $10,000Earns
12 monthsPremium rate on balances up to $3,000.00	0.50%	—	—0.50% $25–$3k	—
12 monthsRate on balances over $3,000.00	—	0.05%	0.05%	$5

Sources (2)

All captured Oct 15, 2026

Brewster Savings Club

0.05%APYClub$5 to open

Dividends compounded monthly, credited monthly. Balance method is average daily balance. Transfer limits apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and up$5.00 minimum balance required to open, maintain the share account, and earn stated dividend. No monthly account fee.$5 and up	0.05%	$5	$5.00 minimum balance required to open, maintain the share account, and earn stated dividend. No monthly account fee.

Sources (1)

ontapcu.org/rates · captured Oct 15, 2026

Holiday Club Account

0.05%APYClub

Dividends compounded and credited monthly. Transfer limits apply. Holiday Club funds returned on or after October 31/November 1.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum opening deposit. Minimum balance to earn stated dividend is $0. Monthly account fee: None.Any balance	0.05%	$5	No minimum opening deposit. Minimum balance to earn stated dividend is $0. Monthly account fee: None.

Sources (3)

All captured Oct 15, 2026

IRA Share Account

0.05%APYIRA$25 to open

Individual Retirement Account (IRA) share savings account. Deposit limits apply. Dividends compounded and credited monthly based on average daily balance.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance to earn stated APY. No monthly account fee.Any balance	0.05%	$5	No minimum balance to earn stated APY. No monthly account fee.

Sources (2)

All captured Oct 15, 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.

Visit institution website ↗Branches and institution details

← On Tap Credit Union overview

How On Tap Credit Union’s savings rates compare

On Tap Credit Union savings score

Current savings rates

Money Market Account

Peak Tiered Savings

Stout High-Yield Savings

"You Name It" Savings

Basic Savings Account

Special-purpose accounts

IRA Money Market Account

Build a Dream Savings Club

Learn-to-Earn Savings Club

Brewster Savings Club

Holiday Club Account

IRA Share Account

Who can join On Tap Credit Union