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What's New – September 2010

On This Page

Don't miss your chance to get a great deal at The Main Event Car Sale, Sept 2-6

Win Up To $5,500* When You Open A New Business Checking Account In Sept

Earn Rewards and 1% Cash Back on Your Business Spending.

Say Hello to a New Home – With a VA or FHA Mortgage Loan from Ent!

3.75% APR* Home Equity Loan

As of January 1, 2011, coupon based tax payments must be submitted electronically.

Free website creation tool and platinum 24/7 website support

Refinance Your Mortgage with People You Know and Trust

Ent's New Business Statements Make Your Bookkeeping Easier

Ent actively works to protect members from debit card fraud.

Credit Problems? How Ent can help...

From the Chairman...Your Lender of First Choice

Don't miss your chance to get a great deal at The Main Event Car Sale, Sept 2-6 at the World Arena in Colorado Springs!

With hundreds of vehicles to choose from, there’s never been a better time to purchase the car you want at a price you can afford! And, with special financing offers from Ent, you'll enjoy:

3.74% APR on 2000 and newer vehicles*

Used-Same-As-New pricing

No Payments for 90 days**

And a variety of loan terms to meet your needs!

Location:
World Arena
3185 Venetucci Blvd, Colorado Springs
(take Circle Drive Exit off I-25, Exit #138)

Hours:

Thursday: Sept. 2nd, 10 a.m. - 10 p.m.
Friday: Sept. 3rd, 10 a.m. - 10 p.m.
Saturday: Sept. 4th 10 a.m. - 10 p.m.
Sunday: Sept. 5th - no vehicles sold on Sunday
Monday: Sept. 6th - 10 a.m. - 9 p.m.

There's never been a better time to purchase the car you want and need - at a price you'll love! Come on down and see us!

*Standard credit qualifications apply. Must be a 2000 or newer vehicle. Offer not valid on Ent refinances. Rates are subject to change without notice and are available for borrowers with a FICO of 740 or higher. FICO scores of 739 and below qualify for new car rates on used cars. A loan in the amount of $15,000 at a 3.74% APR for 63 months would have an estimated monthly payment of $262.63 and a total finance charge of $1545.49. All loans subject to final credit approval. Equal Opportunity Lender.
**90 day payment deferral offer to well qualified borrowers. Regular finance charges continue to accrue during the deferred payment period.

Open A New Business Checking Account In September and You Could Win Up To $5,500*

Now is The Perfect Time To Switch to Ent Business Checking

Open a new business checking account in September and you’ll be automatically entered into a weekly drawing for a $500 Ent Visa® Gift Card and a Grand Prize drawing for a $5,000 Ent Visa Gift Card at the end of the month.*

Take advantage of the benefits of Ent Business Checking, including:

a free Ent Business Visa® Check Card
a free order of business checks**
free deposit slips and a free endorsement stamp
free Business Online Banking with Bill Pay, Check Images, Email Alerts and eStatements.

Open your business checking account at Ent today. You’ll experience personalized service, local decision-making, and have a chance to win $5,500!*

Contact an Ent Business Banker at (719) 574-1100 ext. 6770 or 800-525-9623 ext. 6770 today or click Ent.com/Business

*Standard account and credit qualifications apply. No purchase necessary to enter sweepstakes. This offer is limited to one drawing entry per business entity. Promotion subject to change by Ent. For official rules, please visit Ent.com or stop by any of our service center locations. Offer ends September 30, 2010.
**Complimentary first order of business checks is a business check value pack, or a $35 credit towards another business check purchase.

Earn Rewards and 1% Cash Back on Your Business Spending

Ent’s Business Platinum Rewards card is a smart way to make the purchases you need.

With a great introductory rate, your card offers low-cost convenience and more!

No annual fee
1% Cash Back for each dollar charged to your account
2,500 first-use bonus points that you can redeem for a $25 statement credit
Double bonus points on gasoline, restaurants, local and long distance, cell phone and internet service

Find a smarter way to pay today!
Apply by phone at (719) 574-1100 ext. 6770 or 800-525-9623 ext. 6770 or in person at any Ent Service Center.

The creditor or issuer of Ent Visa Platinum Business Rewards is Elan Financial Services.

Say Hello to a New Home – With a VA or FHA Mortgage Loan from Ent!

Ent offers a wide variety of mortgage loan options, including VA and FHA loans. VA and FHA loans offer many benefits including:

Little to no down payment
Low interest rates, and
The security of a government-backed loan

For more information or to apply online, visit the Mortgage Resource Center or call Ent Mortgage Lending at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602.

3.75% APR* Home Equity Loan

Imagine how much you could save on interest – by converting debt to a 60-month Home Equity Loan at 3.75% APR*

Let us see if you could be saving money each month by using the equity in your home to pay off your higher interest rate debt. Our 60-Month Home Equity Loan’s low rate – 3.75% APR*– could let you save potentially thousands of dollars in interest you would have paid on higher rate debts.

To find out if this loan is right for you, call (719) 574-1100 or 800-525-9623 or apply in person or online below...

Is your credit ready for a new loan? Find out...

*APR — Annual Percentage Rate. Rates are subject to change without notice. Not all applicants will qualify for this loan. Lowest rate shown is for well-qualified borrowers, established equity in the home and includes automatic payment discount. A loan in the amount of $20,000 at a 3.75% APR for 60 months would have an estimated monthly payment of $366.12 and a total finance charge of $1,967.11. Loans are subject to final credit approval. Financing available on homes throughout Colorado. Property insurance required. In reference to an extension of credit that may exceed the fair market value of the dwelling, the interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges. Other home equity product rates and terms are available, call for details.

Treasury Tax and Loan (TT&L) Payment Change Notification

As of December 31, 2010, Ent will no longer be able to accept Treasury Tax and Loan(TT&L) coupons at any of our Service Centers. As of January 1, 2011, coupon based tax payments must be submitted electronically* through the Electronic Federal Tax Payment System (EFTPS). You can easily access this site by logging on to https://www.eftps.gov

.

*Those not required to use coupons may pay electronically or mail a check with their return.

Let Newtek Help Your Business Get Online - Free website creation tool and platinum 24/7 website support.

If your business is not yet online, now is the perfect time. Our partner, Newtek, is offering:

Free use of the Newtek SiteCenter – an online website and Ecommerce storefront builder*
Platinum 24/7 website support and basic low cost hosting especially for Ent members
Shopping Cart applications accommodating Newtek’s Newtpay^™ or NewtpayPro^™ payment systems**

This is a limited-time offer! To get started visit www.NewtekWebServices.com

or contact us at (719) 574-1100 ext. 6770 or 800-525-9623 ext. 6770.

*Use of Newtek SiteBuilder to build, manage and maintain your website is free with a 30 day trial on all services. Some hosting fees do apply after trial period.
**Additional fees apply. Ask us for details.

Ent has partnered with Newtek to provide electronic payment processing services.

Refinance Your Mortgage with People You Know and Trust

With today's historically low rates, now is the perfect time to consider refinancing your current mortgage loan with us.

Ent has a wide variety of mortgage loan options to help you save on your monthly mortgage payment. We have the money and resources you need to start saving today.

Plus, all of Ent's loans are serviced locally, which means getting answers to your questions is as easy as stopping by your nearest service center or calling your local mortgage loan officer.

Apply in person at any Ent Service Center, online at Ent.com/Mortgage or by phone at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602

Standard credit qualifications apply. Loans are subject to final credit approval. Financing available on homes throughout Colorado.

Ent's New Business Statements Make Your Bookkeeping Easier

We’ve redesigned your business statements to be more efficient to use and easier to read. You will notice new features including:

A quick overview of your account in the new At a Glance section showing net earnings and average balance for each share
Individual sections for Deposits and Withdrawals making it easier to track transaction history
A separate section for Daily Ending Balance making it easier to reconcile your books
The ability to separate statements by share and loan types allowing for easier distribution

Learn more about how to read your statement at Ent.com/BusinessStatement.

To contact Ent Business Banking, call (719) 574-1100 ext. 6770 or 800-525-9623 ext. 6770 or visit Ent.com/Business.

Ent actively works to protect members from debit card fraud.

We want you to know: When debit card fraud is suspected, Ent contacts impacted members to prevent further fraudulent charges. Members can help identify potential fraud by regularly monitoring their accounts for unusual activity and signing up for Email Alerts to notify you about select transactions. If you suspect fraud, please contact our Member Service Call Center immediately at (719) 574-1100 or 800-595-9623.

Remember, if fraud occurs on your account, Ent members have zero liability for unauthorized transactions and we offer instant issue Ent Visa® Debit Card replacement at many service centers. It’s one of the benefits you receive as a member of Ent. For more tips on keeping your account information protected, click here.

Credit Problems?

Are you having trouble making your Ent mortgage or vehicle loan payments?

We understand that in today's economic environment more members than ever before are facing loan payment issues. Whether you're thinking you may start falling behind, or you're already behind, contact an Ent Member Solutions Specialist today via email or by phone at 800-525-9623 x. 5610 for assistance with: protecting your credit, making payment arrangements, and potentially avoiding foreclosure and/or repossession.

From the Chairman

Your Lender of First Choice

For the past several months, the financial news has been filled with stories about tighter credit, with both consumers and small businesses having trouble getting loans.

As a credit union, one of our primary roles is to loan money to members to help improve their personal and business lives. Ent sits in an enviable position because our past conservative approaches to both lending and investment of your deposits have allowed us to remain financially strong. And today, Ent has money to lend!

Many members have established equally conservative financial goals for 2010. We see that in strong growth in deposits and members paying down on loans to reduce debt. As a result, Ent has ample resources to help members who still need to borrow for a wide variety of purposes.

This summer, Ent is offering special rates for home equity and auto loans. In fact, members can take advantage of Ent car loan rates simply by asking for Ent financing right at their local new or used car dealer. (You’ll find more information on Ent’s preferred dealers online at Ent.com/PreferredDealers).

New this year is the Mortgage Freedom Loan – a special loan to help pay down your mortgage (up to $125,000) faster. It is an attractive option for members in or near retirement who want to reduce their debt burden.

Despite the economic downturn and individual efforts to manage their financial affairs better, members still need to borrow money for important purposes. At Ent, the same member-centered underwriting guidelines apply today as they did before the recession of 2007-2009. It is Ent’s goal to help members avoid financial situations they cannot expect to successfully manage.

Thus, Ent should be your lender of first choice because you know we’ll consider your request with your best interests in mind. And what is best for individual members continues to be best for the credit union as a whole.

Proudly serving you,

Tim Rickert
Chairman

Third party website links will launch you to a website that is not controlled or owned by Ent. Ent does not contribute to the content displayed on these websites and does not legally endorse services or represent you or the third party in transactions conducted via these linked websites. Please be aware that information security and privacy policies may differ from those practiced by Ent.