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P.O. Box 15819
Colorado Spring, CO 80935

Ent Credit Union is headquartered in Colorado Spring and is the largest credit union in the state of Colorado. It is also the 28th largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 575 employees and 232,632 members. Ent Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Denver, El Paso, Pueblo, Teller or Weld County (communities of Firestone, Frederick, Dacono, Longmont, Ft. Lupton, Mead or Erie). Also open to civilian or military personnel of the Colorado Air National Guard, Colorado Army National Guard or those associated with Buckley Air Force Base in Aurora, Colorado. - See Details

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Reviews (2)

They Love The Fees

Long hold times on deposits, quick to close account, poor customer service.

Ent Federal Credit Union

A member of the bank since the early 1970s, and have always been happy with the service either in town or as in my case from overseas. The phone, internet service has always been outstanding. One of my favorite features in the early years has been the 800 number from many foreign locations and then the ability to access all the facets of my account via the internet to include Bill Pay. Thanks.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Ent Credit Union had $10.67 million in non-current loans and owned real-estate with $464.69 million in equity and loan loss allowances on hand to cover it. This gives Ent Credit Union a Texas Ratio of 2.30% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Ent Credit Union decreased slightly from 2.79% as of December 31, 2012 to 2.30% as of December 31, 2013, resulting in a positive change of 17.84%.This indicates that the balance sheet and financial strength for Ent Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Ent Credit Union has increased its total deposits by $99.52 million, resulting in 3.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ent Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ent Credit Union has $3.91 billion in assets with $464.69 million in equity, resulting in a capitalization level of 11.88%, which is excellent.

Institution Statistics

NCUA #11570
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$3.91 billion
Loans$2.22 billion
Deposits$3.12 billion
Equity Capital$460.99 million
Loan Loss Allowance$3.70 million
Unbacked Noncurrent Loans$9.75 million
Real Estate Owned$923,000
Historic Data - December 2012
Assets$3.73 billion
Equity Capital$428.17 million
Loan Loss Allowance$4.33 million
Unbacked Noncurrent Loans$9.75 million
Real Estate Owned$2.63 million
Profit Margin - Quarterly
Net Interest Margin3.48%
Return on Assets1.12%
Return on Equity9.47%
Interest Income$100.43 million

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Ent Credit Union Savings Account Rates

0.25%$50k-Health Savings Account
0.20%$25k-IRA Savings Account
0.20%$25k-Roth IRA Savings Account
0.20%$25k-Coverdell Education Savings Account
0.10%--Savings Account
0.10%--Business Savings Account

Ent Credit Union Money Market Rates

0.35%$250k-Money Market Savings Account
0.35%$500k-Business Money Market Savings Account

Ent Credit Union Checking Account Rates

0.25%$100k-Business Dividend Checking Account
0.05%--ValuePLUS Checking Account
0.05%--Free College Checking Account
0.05%--Lion One Checking Account

Ent Credit Union CD Rates

1.50%$500-60 Month Certificate
1.50%$500-Business 60 Month Certificate
1.10%$500-48-53 Month Certificate
1.10%$500-54-59 Month Certificate
1.10%$500-Business 48-53 Month Certificate
1.10%$500-Business 54-59 Month Certificate
1.00%$500-36-41 Month Certificate
1.00%$500-42-47 Month Certificate
1.00%$500-Business 36-41 Month Certificate
1.00%$500-Business 42-47 Month Certificate
0.90%$5k-36 Month Priority Certificate
0.90%$5k-Business 36 Month Priority Certificate
0.75%$25$1k6 Month My Savings Builder Certificate
0.75%$500-24-29 Month Certificate
0.75%$500-30-35 Month Certificate
0.75%$500-Business 24-29 Month Certificate
0.75%$500-Business 30-35 Month Certificate
0.70%--12 Month Money Space Youth Certificate
0.65%$5k-24-29 Month Priority Certificate
0.65%$5k-30-35 Month Priority Certificate
0.65%$5k-Business 24-29 Month Priority Certificate
0.65%$5k-Business 30-35 Month Priority Certificate
0.50%$500-12 Month Certificate
0.50%$500-13-17 Month Certificate
0.50%$500-18-23 Month Certificate
0.50%$500-Business 12 Month Certificate
0.50%$500-Business 13-17 Month Certificate
0.50%$500-Business 18-23 Month Certificate
0.30%$500-6-11 Month Certificate
0.30%$500-Business 6-11 Month Certificate
0.20%$25-6-12 Month My Savings Starter Relationship Certificate
0.20%$500-3-5 Month Certificate
0.20%$500-Business 3-5 Month Certificate

Ent Credit Union IRA Rates

1.50%$500-60 Month HSA Certificate (Traditional,Roth,CESA)
1.10%$500-48-53 Month HSA Certificate (Traditional,Roth,CESA)
1.10%$500-54-59 Month HSA Certificate (Traditional,Roth,CESA)
1.00%$500-36-41 Month HSA Certificate (Traditional,Roth,CESA)
1.00%$500-42-47 Month HSA Certificate (Traditional,Roth,CESA)
0.75%$500-24-29 Month HSA Certificate (Traditional,Roth,CESA)
0.75%$500-30-35 Month HSA Certificate (Traditional,Roth,CESA)
0.50%$500-12 Month HSA Certificate (Traditional,Roth,CESA)
0.50%$500-13-17 Month HSA Certificate (Traditional,Roth,CESA)
0.50%$500-18-23 Month HSA Certificate (Traditional,Roth,CESA)
0.30%$500-6-11 Month HSA Certificate (Traditional,Roth,CESA)
0.20%$500-3-5 Month HSA Certificate (Traditional,Roth,CESA)

Ent Credit Union has 30 locations. Click to view all Ent Credit Union locations.