On Tap

816 Washington Avenue, Golden, CO 80401

NCUA Insured3.7 (168 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1950

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Golden, CO may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1950

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

816 Washington Avenue

Golden, CO 80401

Google Maps 🗺Waze

(303) 279-6414

Service Area

This credit union is located in Golden and serves members in the CO area. Currently serving 19,350 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.10%

Used Auto Loan

5.87%

Personal Loan

10.45%

Credit Card APR

13.23%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CO

Lowest rates currently reported by credit unions in CO (NCUA Q4 2025).

Horizons North— New Auto Loan

Westminster, CO

3.00%

Horizons North— Used Auto Loan

Westminster, CO

3.00%

Clean Energy— Personal Loan

Englewood, CO

2.99%

Horizons North— Credit Card APR

Westminster, CO

7.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.7

168 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Lindsey Griffith

7 months ago

Matt at OnTap Credit Union is absolutely outstanding! He’s been supportive, kind, and incredibly knowledgeable through every step of my journey — especially during my divorce. His genuine care and patience made such a difference, and he always takes the time to explain things clearly and help me make the best decisions. It’s rare to find someone who blends professionalism with true compassion the way Matt does. Thank you, Matt, for your constant kindness and support — you’re truly one of a kind!

Michele Walcott

6 months ago

On Tap CU message "Online and Mobile Banking users may experience a brief interruption of service this weekend on Saturday and Sunday between the hours of 10:00 pm and 2:00 am while we conduct routine maintenance. We apologize for the inconvenience." It's 2:30 pm way out of the ours of 10pm and 2am. Why am I being blocked out of my account I've had for at least 40 years? I hope with the upgrade you are also rolling out NEW debit cards that work ALL the time like my Citi and Chase credit cards. Maybe we could have some tap capabilities, which is more secure too.

K McCoy

4 months ago

If you are looking for a home-town partner bank, that will stand behind you when things get a little rough, this is not the bank for you. My fault for getting behind on a payment, but we all hit hard times every now and again. You would think a small town bank would stand behind you, and give you a little breathing room to get your feet under you. That is not the case with On Tap. Pretty sad. If you get a call from Jeff, just hang up immediately, and save yourself the trouble. He is one of the rudest people I have ever encountered in a "professional" setting.

CHAO GUAN

7 months ago

I completed the online membership application and spoke with Matt on the phone to set up the account. He provided excellent customer service and addressed some of my key questions during the call, including those related to multi-product setup. Thank you for your great assistance!

Kimberly Ivy

8 months ago

Matthew was so helpful today. I have banked with this branch for 40+years. Even tho I have moved, I keep my account with them bc their team members are awesome.Cheers!