Ent Credit Union (CO) Substantially Raises 30-35 Month Priority CD Rate

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Deal Summary: 30-35 month Priority Certificate, 1.00% APY, $5k minimum deposit, one rate bump, one additional deposit, one partial penalty-free withdrawal.

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) has substantially raised the rate on its 30-35 month Priority Certificate, adding 65 bps. Currently earning 1.00% APY, the 30-35 month Priority Certificate can be opened with a $5k minimum deposit, with no stated balance cap.

The 30-35 month Priority Certificate is also offered as a Priority IRA Certificate (Traditional, Roth, and CESA), earning the same APY with the same deposit requirements.

In addition to offering a competitive rate, the Priority Certificate features three advantageous options. As stated in the fine print on the Certificates page, a Priority Certificate,

Allows a member to change the dividend rate once during the term to the current Priority Certificate Rate.

Allows the member to add to the certificate once within the first year with an additional minimum deposit of $1,000.

Allows the member a one-time withdrawal of up to 50% of the current balance during the term without an early withdrawal penalty.

As stated in the Certificate Agreement document, the Early Withdrawal Penalty reads as follows:

If the maturity of this certificate is more than one (1) year but less than thirty-six (36) months, the early withdrawal penalty is one hundred eighty (180) 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.

$200 Checking Bonus

The Ent CU $200 Checking Bonus I wrote about a few weeks ago is still available through December 31, 2021. Available to current and new members, the bonus requirements are easily fulfilled.

  • Enter promo code CH200B when you open your new checking account.
  • Within the first 30 days of account opening:
    • Deposit $100.
    • Activate your debit card.
    • Collect your $200 bonus from Ent.

That’s it – no direct deposit, no minimum balance to maintain, no required additional deposits.

More details can be found in my October 16 blog post.

Availability

Headquartered in Colorado Springs, Ent Credit Union field of membership (FOM) is primarily community-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.

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 Priority Certificate can be done online, by phone (800-525-9623), or in-branch. All of Ent CU’s 44 Colorado branches located in Aurora (2), Brighton, Canon City, Castle Rock (2), Colorado Springs (16), Commerce City, Denver, Firestone, Fort Collins (3), Fountain, Highlands Ranch, Littleton (2), Lone Tree, Monument, Parker (2), Peterson AFB, Peyton, Pueblo, Pueblo West, Rye, Timnath, Windsor, and Woodland Park have reopened to walk-in traffic

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 Shared Branch network and ATM network.

Credit Union Overview

Ent Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 3.61% (excellent) based on June 30, 2021 data. In the past year, Ent CU has increased its total non-brokered deposits by $1.2 billion, an excellent annual growth rate of 20.82%. 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 430,000 members and assets in excess of $8 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 Priority 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 30-35 month Priority Certificate APY currently ranks third.

The above information and rates are accurate as of 11/4/2021.

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, bank bonuses

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