Ent Credit Union (CO) Increases 84-Month Certificate Rate

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Deal Summary: 84-month Certificate, 1.28% APY, $500 minimum deposit

Availability: Residents of 12 Colorado Front Range and two Colorado Central Mountain counties; civilian and military personnel of the Colorado Air National Guard, Colorado Army National Guard, and Buckley Air Force Base.

Ent Credit Union (Ent CU) recently raised the rate on its 84-month Certificate by a modest 9 bps. Currently earning 1.28% APY, the 84-month Certificate can be opened with a $500 minimum deposit, with no stated balance cap. Earned dividends can be withdrawn without penalty at any time.

APYMINMAXINSTITUTIONPRODUCTDETAILS
1.28%$500-Ent Credit Union84 Month Certificate
1.28%$500-Ent Credit Union84 Month IRA Certificate (Traditional, Roth, CESA)
Rates as of September 23, 2021.

The 84-month Certificate is also offered as an IRA Certificate (Traditional, Roth, and CESA), earning the same APY with the same deposit requirements.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows:

For certificates and IRA certificates with a maturity of thirty-six (36) months or greater, the early withdrawal penalty is three hundred sixty-five (365) days’ forfeiture of dividends.

According to CSR, the easiest way to fund a Certificate is through an internal transfer of funds. Ent CU participates in the CO-OP Shared Branch network, allowing for a relatively simple way to transfer funds into an Ent CU checking or savings account. Maturing funds can be distributed by check to the address on file, by wire, or transferred to an Ent CU checking or savings account. The grace period before a certificate automatically renews is short – only six calendar days.

Availability

Headquartered in Colorado Springs, Ent Credit Union field of membership (FOM) is primarily residency based, with individuals who live, work, worship, or attend school in the Colorado counties of Arapahoe, Adams, Boulder, Broomfield, Denver, Douglas, El Paso, Elbert, Fremont, Larimer, Jefferson, Pueblo, Teller, or Weld, eligible to join. Businesses located in these 14 counties also qualify for membership. (FYI - Since I last wrote about Ent CU in 2018, six new counties have been added to the FOM.)

The “Communities We Serve” page has a map showing the counties included in the FOM.

Civilian and military personnel of the Colorado Air National Guard, Colorado Army National Guard, and those associated with Buckley Air Force Base in Aurora, Colorado, are also eligible for membership.

Family members of current Ent CU members are welcome to apply.

Joining Ent CU and/or opening a CD can be done online, or by calling Ent CU at 800-525-9623. Ent CU has 39 Colorado branches located in Aurora, Brighton, Canon City, Castle Rock (2), Colorado Springs (17), Denver, Firestone, Fort Collins, Fountain, Highlands Ranch, Littleton (2), Lone Tree, Monument, Parker (2), Peterson AFB, Peyton, Pueblo, Pueblo West, Rye, and Woodland Park, but according to the Our Locations page, “most, but not all, of our lobbies remain open.” The Our Locations page lists the COVID-related lobby access status, limited hours, and temporary closures.

A $5 Share Pledge is required and will be maintained in your Savings Account. Your Share Pledge gives you one ownership share in the credit union and therefore is not available for withdrawal.

Ent CU participates in both the CO-OP Share Branch and ATM networks.

Credit Union Overview

Ent Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 4.41% (excellent) based on December 31, 2020 data. In the past year, Ent CU has increased its total non-brokered deposits by $1.2 billion, an excellent annual growth rate of 23.19%. Please refer to our financial overview of Ent Credit Union (NCUA Charter # 68671) for more details.

Currently Colorado’s largest credit and the 28th largest credit union in the nation, Ent Credit Union was chartered in 1957 for the benefit of military and civilian personal at Ent Air Force Base and Peterson Field in Colorado Springs, Colorado. In 64 years of continuous operation, Ent CU has expanded its FOM to include the most populous counties in Colorado and currently has more than 410,000 members and assets in excess of $7.4 billion.

Ent CU and Ent Air Force Base were both named for Major General Uzal Girard Ent,
commander of the Ninth Air Force during World War II. Ent Air Force Base opened in
1951, when the United States Air Defense Command moved to Colorado Springs.

How the Certificate Compares

When compared to the similar length-of-term CDs tracked by DepositAccounts.com, which require a similar minimum deposit and are available within the FOM, Ent Credit Union’s 84-month Certificate APY currently ranks first.

The above rates are accurate as of 3/18/2021.

To look for the best CD rates, both nationwide and in your state, please refer to our CD Rates table page.

Related Pages: Denver CD rates, Colorado Springs CD rates, 5-year CD rates

Comments
gregk
  |     |   Comment #1
I'm a member and qualify, - but anyone who funds this CD must be certifiably insane.
Ent Credit Union (CO) Adds 7-Month Certificate Special - EXPIRED

UPDATE 2/14/18: The 7-Month Certificate special has ended.

Deal Summary: 7-month Certificate Special, 2.00% APY, $500 minimum deposit

Availability: Residents of the Colorado counties of Arapahoe, Denver, Douglas, El Paso, Fremont, Jefferson, Pueblo, Teller, and Weld; Civilian and military personnel of the Colorado Air National Guard, Colorado Army National Guard, and Buckley Air Force Base.

Seven months ago, Ent Credit Union (Ent CU) celebrated its 60th with a very competitive 13-month Certificate. Ent CU has introduced a new very competitive Certificate Special. This new one is a 7-month Certificate...

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Ent CU (CO) Celebrates 60 Years With 13-Month CD
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Availability: Residents of the Colorado counties of Arapahoe, Denver, Douglas, El Paso, Fremont, Jefferson, Pueblo, Teller, and Weld; Civilian and military personnel of the Colorado Air National Guard, Colorado Army National Guard, and Buckley Air Force Base.

In celebration of its 60th, Ent Credit Union (Ent CU) has added an 13-month Certificate (1.75% APY). The minimum opening deposit is $500, with a $100k maximum deposit per member.

The 13-month Certificate Special is also being offered...

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Ent CU's (CO) 84-Month Certificate Offers Competitive Rate
Availability: Residents of the Colorado counties of Arapahoe, Denver, Douglas, El Paso, Fremont, Jefferson, Pueblo, Teller, and Weld; Civilian and military personnel of the Colorado Air National Guard, Colorado Army National Guard, and Buckley Air Force Base.

Ent Credit Union (Ent CU) added an 84-month Certificate to its product line about 9 months ago, and earlier this year, increased the rate to 2.45% APY. The minimum opening deposit is $500, with no balance cap.

The 84-month Certificate is also being offered as an IRA (Traditional, Roth,...

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4.15% 50-Month Add-On CD at Ent Federal Credit Union in Colorado
Ent Federal Credit Union is offering a special 4.15% APY 50-month certificate. Minimum deposit is $5,000. The rate is listed on the credit union's promotion page as of 1/18/2009.

This special CD is called a Priority Certificate, and it has three nice features:
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  • ability to make a one-time withdrawal of up to 50% of your balance without a credit union penalty
  • option to change your rate once during the term
The yield of 4.15% is competitive, but...


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4.25% 7-Month CD at a Colorado Credit Union (Ent)
Ent Federal Credit Union has a very nice certificate special with a yield of 4.25% APY for a 7-month term. The minimum deposit is $500.

Ent FCU had a couple of 6% CD promotions in 2006. So it has a history of high CD rates.

Membership is open to those who live, work, worship or attend school in Denver, El Paso or Pueblo counties. For the full details please refer to the credit union's Membership Page. Membership requires a minimum initial deposit of $35 to their savings account.

Branches are located in several...





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