On Tap rates: up to 4.45% APY
credit union · NCUA CHARTER 64913 · www.ontapcu.org/
Savings
| Product | Term / tier | Rate | Basis | Checked | History | Change |
|---|---|---|---|---|---|---|
| Basic savings Account | 0.050% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Brewster savings club | 0.05% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Holiday Club account | 0.050% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Peak Tiered Savings | $0 - $2,000 | 2.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Peak Tiered Savings | $2,000.01 - $5,000 | 2.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Peak Tiered Savings | $5,000.01 - $10,000 | 0.50% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Peak Tiered Savings | $10,000.01 - $25,000 | 0.25% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Peak Tiered Savings | $25,000.01 + | 0.10% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Savings Account | 0.050% | APY | checked 1 Nov 2026 | since 2026-11-01 | ||
| Savings Account | $25–$3000 | 0.50% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Savings Account | > $3000 | 0.05% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Stout High-Yield Savings | $0.00 - $49,999.99 | 0.05% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Stout High-Yield Savings | $50,000.00 - Above | 1.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| build a dream savings club | $25–$3000 | 0.500% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| build a dream savings club | > $3000 | 0.050% | APY | checked 1 Nov 2026 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Checked | History | Change |
|---|---|---|---|---|---|---|
| JUMBO certificates | 6 Months | 3.85% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 6-Month CD | 6 Months | 3.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| jumbo ira cd | 6 Months | 3.85% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| JUMBO certificates | 12 Months | 3.95% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 1-Year CD | 12 Months | 3.85% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Youth 12 Month certificates | 12 Months | 3.85% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| jumbo ira cd | 12 Months | 3.95% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| JUMBO certificates | 24 Months | 4.05% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 2-Year CD | 24 Months | 3.95% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| jumbo ira cd | 24 Months | 4.05% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| JUMBO certificates | 36 Months | 4.20% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 3-Year CD | 36 Months | 4.10% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| jumbo ira cd | 36 Months | 4.20% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| JUMBO certificates | 48 Months | 4.30% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 4-Year CD | 48 Months | 4.20% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| jumbo ira cd | 48 Months | 4.30% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| JUMBO certificates | 60 Months | 4.45% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| 5-Year CD | 60 Months | 4.35% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| jumbo ira cd | 60 Months | 4.45% | APY | checked 1 Nov 2026 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Checked | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $1,000 – $9,999.99 | 0.50% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Money Market Account | $10,000 – $24,999.99 | 0.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Money Market Account | $25,000 – $49,999.99 | 1.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Money Market Account | $50,000 – $99,999.99 | 1.25% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Money Market Account | $100,000 – $249,999.99 | 2.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| Money Market Account | $250,000 - $999,999.99 Regular MM | 2.75% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| ira money market accounts | $1,000+ | 0.50% | APY | checked 1 Nov 2026 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Checked | History | Change |
|---|---|---|---|---|---|---|
| I.P.A. Checking | $0 - $2,499.99** (See Below) | 0.05% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| I.P.A. Checking | $0 - $2,499.99* | 4.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| I.P.A. Checking | $2,500.00 - $4,999.99 | 4.00% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| I.P.A. Checking | $5,000.00 - $9,999.99 | 0.25% | APY | checked 1 Nov 2026 | since 2026-11-01 | |
| I.P.A. Checking | $10,000.00 + | 0.25% | APY | checked 1 Nov 2026 | since 2026-11-01 |
0 rates hidden because they were not re-checked in over 3 days. A row not re-checked for over 1 day is marked stale and never heads a ranking.
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.ontapcu.org/earn-the-best-money-back-on-savings-interest-and-calcu | 2026-11-02 04:45 UTC | ok | 3b1c49ee873a |
| www.ontapcu.org/rates | 2026-11-02 04:45 UTC | ok | 5ffb12cd5a84 |