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On Tap Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 22, 2026
On Tap Credit Union's top rates as of September 22, 2026 are 4.35% APY on its 60 Month JUMBO CDs CD, 0.05% APY on savings, 0.50% APY on money market accounts, personal loans from 8.45% APR, and credit cards from 6.99% APR, according to rates verified by MonitorBankRates. Other On Tap Credit Union CD rates include 60 Month Jumbo IRA CD at 4.35%, 60 Month Term CD at 4.25%, and 60 Month Traditional IRA CDs at 4.25%. MonitorBankRates evaluates the financial stability of On Tap Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.06%. Rates last updated and verified on 09/22/2026.
On Tap Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at On Tap Credit Union? Share your experience about On Tap Credit Union by leaving a review below, or read customer reviews before you decide to use On Tap Credit Union.
On Tap Credit Union has earned an overall safety grade of A (Excellent, Score: 95/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
On Tap Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
9.06%
ExcellentHigher than avg
On Tap Credit Union Texas Ratio
On Tap Credit Union's Texas Ratio is 9.06%, which is considered excellent and is higher than the national average of 6.13%.
On Tap Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.68% to 9.06% over 12 quarters, worseningFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
On Tap Credit Union CD Rates
Product
Rate
APY
Term
View More
60 Month JUMBO certificates
4.27%
4.35%
60 Months
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
60 Month Jumbo IRA CD
4.27%
4.35%
60 Months
Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
60 Month Term certificate
4.17%
4.25%
60 Months
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
60 Month Traditional IRA Certificates
4.17%
4.25%
60 Months
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
Detailstraditional ira, roth ira and sep ira
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
48 Month JUMBO certificates
4.12%
4.20%
48 Months
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
48 Month Jumbo IRA CD
4.12%
4.20%
48 Months
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
36 Month JUMBO certificates
4.03%
4.10%
36 Months
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
36 Month Jumbo IRA CD
4.03%
4.10%
36 Months
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
48 Month Term certificate
4.03%
4.10%
48 Months
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
48 Month Traditional IRA Certificates
4.03%
4.10%
48 Months
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
Detailstraditional ira, roth ira and sep ira
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
36 Month Term certificate
3.93%
4.00%
36 Months
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
36 Month Traditional IRA Certificates
3.93%
4.00%
36 Months
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
Detailstraditional ira, roth ira and sep ira
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
24 Month JUMBO certificates
3.88%
3.95%
24 Months
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
24 Month Jumbo IRA CD
3.88%
3.95%
24 Months
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
12 Month CD
3.78%
3.85%
12 Month
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
12 Month JUMBO certificates
3.78%
3.85%
12 Months
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
12 Month Jumbo IRA CD
3.78%
3.85%
12 Months
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
24 Month Term certificate
3.78%
3.85%
24 Months
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
24 Month Traditional IRA Certificates
3.78%
3.85%
24 Months
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
Detailstraditional ira, roth ira and sep ira
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
12 Month CD
3.69%
3.75%
12 Month
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
12 Month Term certificate
3.69%
3.75%
12 Months
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
12 Month Traditional IRA Certificates
3.69%
3.75%
12 Months
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Detailstraditional ira, roth ira and sep ira
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
6 Month Jumbo IRA CD
3.69%
3.75%
6 Months
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Youth 12 Month certificates
3.69%
3.75%
12 Months
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
6 Month CD
3.64%
3.70%
6 Month
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
6 Month JUMBO certificates
3.64%
3.70%
6 Months
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
6 Month CD
3.54%
3.60%
6 Month
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
6 Month Term certificate
3.54%
3.60%
6 Months
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
6 Month Traditional IRA Certificates
3.54%
3.60%
6 Months
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
Detailstraditional ira, roth ira and sep ira
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
On Tap Credit Union Savings Rates
Product
Rate
APY
View More
Business Peak Performance Savings
2.72%
2.75%
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 2 times
Min Balance$0
DetailsBalance: $0 - $2,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Peak Performance Savings
2.72%
2.75%
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 2 times
Min Balance$2,000
DetailsBalance: $2,000.01 - $5,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Peak Tiered Savings
2.72%
2.75%
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 2 times
Min Balance$0
DetailsBalance: $0 - $2,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Peak Tiered Savings
2.72%
2.75%
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 2 times
Min Balance$2,000
DetailsBalance: $2,000.01 - $5,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Savings Accounts
-
2.75%
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Stout High-Yield Savings
1.00%
1.00%
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
Min Balance$50,000
DetailsBalance: $50,000.00 - Above
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
build a dream savings club
0.50%
0.50%
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Min Balance$25
DetailsBalance: $25-$3000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Peak Performance Savings
0.50%
0.50%
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Min Balance$5,000
DetailsBalance: $5,000.01 - $10,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
learn-to-earn savings club
0.50%
0.50%
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Min Balance$25
DetailsBalance: $25-$3000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Peak Tiered Savings
0.50%
0.50%
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Min Balance$5,000
DetailsBalance: $5,000.01 - $10,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Peak Performance Savings
0.25%
0.25%
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 3 times
Min Balance$10,000
DetailsBalance: $10,000.01 - $25,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Peak Tiered Savings
0.25%
0.25%
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 3 times
Min Balance$10,000
DetailsBalance: $10,000.01 - $25,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Savings
0.15%
0.15%
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Peak Performance Savings
0.10%
0.10%
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
Min Balance$25,000
DetailsBalance: $25,000.01 +
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Peak Tiered Savings
0.10%
0.10%
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
Min Balance$25,000
DetailsBalance: $25,000.01 +
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
"You name it" Savings
0.05%
0.05%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Basic Savings
0.05%
0.05%
Rate History
No change since Sep 22, 2026 · 0.05% APY
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Brewster savings club
0.05%
0.05%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
build a dream savings club
0.05%
0.05%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
Min Balance$3,000
DetailsBalance: > $3000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
learn-to-earn savings club
0.05%
0.05%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
Min Balance$3,000
DetailsBalance: > $3000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Stout High-Yield Savings
0.05%
0.05%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
Min Balance$0
DetailsBalance: $0.00 - $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
On Tap Credit Union Money Market Rates
Product
Rate
APY
View More
Business Money Market Accounts
2.72%
2.75%
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
Min Balance$250,000
DetailsBalance: $250,000 - $999,999.99 Regular MM
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Money Market Account
2.72%
2.75%
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 2 times
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Money Market Account
2.72%
2.75%
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 2 times
Min Balance$250,000
DetailsBalance: $250,000 - $999,999.99 Regular MM
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Money Market Accounts
2.47%
2.50%
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Money Market Accounts
1.24%
1.25%
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Money Market Account
1.24%
1.25%
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 3 times
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Money Market Accounts
1.00%
1.00%
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Money Market Account
1.00%
1.00%
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Money Market Accounts
0.75%
0.75%
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 3 times
Min Balance$2,500
DetailsBalance: $2,500 - $24,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Money Market Account
0.75%
0.75%
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 3 times
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
IRA Money Market Account
0.50%
0.50%
Rate History
No change since Sep 22, 2026 · 0.50% APY
Min Balance$1,000
DetailsBalance: $1,000+
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Money Market Account
0.50%
0.50%
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
On Tap Credit Union Checking Rates
Product
Rate
APY
View More
I.P.A. Checking
3.93%
4.00%
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Min Balance$0
DetailsBalance: $0 - $2,499.99*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
I.P.A. Checking
3.93%
4.00%
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Min Balance$2,500
DetailsBalance: $2,500.00 - $4,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
I.P.A. Checking
0.25%
0.25%
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 2 times
Min Balance$5,000
DetailsBalance: $5,000.00 - $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
I.P.A. Checking
0.25%
0.25%
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 2 times
Min Balance$10,000
DetailsBalance: $10,000.00 +
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Checking Plus
0.15%
0.15%
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 2 times
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Checking Plus
0.15%
0.15%
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 2 times
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Business Checking Plus
0.10%
0.10%
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
Min Balance$0
DetailsBalance: $0 - $49,999
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
I.P.A. Checking
0.05%
0.05%
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 2 times
Min Balance$0
DetailsBalance: $0 - $2,499.99**; (See Below)
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
On Tap Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Craft choice home equity line of credit (heloc)
-
-
6.25%
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 3 times
DetailsCeiling APR: 21.00%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Home equity loans
-
-
6.25%
60 Months
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Home equity loans
-
-
6.50%
120 Months
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Home equity loans
-
-
6.75%
180 Months
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 2 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
On Tap Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Autos
-
-
4.49%
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
DetailsPurchase APR starts at 10.90%; Balance Transfer APR starts at 10.90%; Cash Advance APR starts at 10.90%; Annual Fee $0; Balance Transfer Fee $0; Cash Advance Fee $0
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
summit visa
-
10.90%
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 3 times
DetailsAs low as
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
On Tap Summit Rewards Credit Card
-
13.90%
Rate History
No change since Sep 22, 2026 · 13.90% APR
DetailsPurchase APR starts at 13.90%; Balance Transfer APR starts at 13.90%; Cash Advance APR starts at 13.90%; Annual Fee $0; Balance Transfer Fee $0; Cash Advance Fee $0
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Rewards visa
-
13.90%
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 3 times
DetailsAs low as
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
On Tap Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Loan
8.45%
Rate History
No change since Sep 14, 2026 · 8.45% APR · checked 3 times
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
On Tap Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Chase Loan
-
-
14.99%
Rate History
No change since Sep 18, 2026 · 14.99% APR · checked 2 times
DetailsBalance Transfer Fee $5 or 5% Of Each Transfer (Whichever Is Higher); Cash Advance Fee $10 or 2.5% Of Each Transaction (Whichever Is Higher)
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
FirstBank Loan
-
-
15.15%
Rate History
No change since Sep 18, 2026 · 15.15% APR · checked 2 times
DetailsBalance Transfer Fee $2 or 2.5% Of Each Transfer (Whichever Is Higher); Cash Advance Fee $2 or 2.5% Of Each Transaction (Whichever Is Higher)
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.06%
Financial Health History
On Tap Credit Union’s Texas Ratio rose from 3.68% in Q3 2023 to 9.06% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$474M
9.06%
5.0
A
March 31, 2026
$457M
8.65%
5.0
A
December 31, 2025
$420M
7.76%
5.0
A
September 30, 2025
$415M
8.39%
5.0
A
June 30, 2025
$387M
6.89%
5.0
A
March 31, 2025
$393M
6.56%
5.0
A
December 31, 2024
$385M
4.21%
5.0
A+
September 30, 2024
$400M
3.62%
5.0
A+
June 30, 2024
$411M
3.36%
5.0
A+
March 31, 2024
$409M
2.26%
5.0
A+
December 31, 2023
$395M
4.48%
5.0
A+
September 30, 2023
$372M
3.68%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for On Tap Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather On Tap Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with On Tap Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
98,565,268
Total Uninsured Shares and Deposits > $250K (F+J)
98,565,268
Total Insured Shares and Deposits > $250K (item 17 less item K)
293,260,451
Total Interest Expense (Sum of items 6 8)
3,777,579
Share Certificates
2,421
Number of Accounts for Share Drafts
14,277
IRA KEOGH Accounts
797
Number of Accounts for Regular Shares
26,854
All other shares
25
Money Market Shares
953
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
71,299,598
Total Liabilities
433,298,489
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
On Tap Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for On Tap Credit Union
Frequently Asked Questions About On Tap Credit Union
How many branches does On Tap Credit Union operate?
On Tap Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join On Tap Credit Union?
Yes, to access services at On Tap Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, On Tap Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, On Tap Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does On Tap Credit Union offer online and mobile banking?
Most modern institutions like On Tap Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ontapcu.org.
Current On Tap Credit Union Rates
12-Month CD3.75%
24-Month CD3.85%
60-Month CD4.25%
Savings0.05%
MMA0.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
