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What's New – July 2010
On This Page
 Say Hello to a New Home – With a VA or FHA Mortgage Loan from Ent!
Want to keep Courtesy Pay overdraft coverage on your Debit Card transactions?
Open a new Money Space® Youth Account & get a plush toy & ticket to the zoo!*
Refinance Your Mortgage with People You Know and Trust
Don't let your personal financial information fall into the wrong hands.
Credit Problems? How Ent can help...
From the Chairman...Your Lender of First Choice
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.
Want to keep Courtesy Pay overdraft coverage on your ATM and Debit Card transactions?
Let us know by August 15th! It's Your Choice
1. Review
No fee to "Opt-in" to Courtesy Pay on your ATM/Debit Card transactions
No fee if you never use it
No fee is charged if your account is overdrawn less than $10*
2. Decide
You must decide whether you'd like to "Opt-in" to continue receiving Ent’s Courtesy Pay coverage on your ATM or everyday Debit Card transactions before August 15, 2010.
3. Let Us Know
You can "Opt-in" at any Ent Service Center or by phone at (719) 574-1100 or 800-525-9623.
*If you use Ent’s Courtesy Pay service, our standard overdraft fees apply including a $25 fee, each time Ent pays an overdraft.
Open a new Money Space Youth Account and get a free plush toy elephant and a ticket to the zoo!*
Ent’s free youth program will help your kids remember to save – and more!
Ent’s free Money Space Youth Program (Star Savers® for ages 12 and under and GalaxySM for ages 13-17) includes account opening gifts, incentives for saving, special activities and online resources for preschoolers to teens – all designed to help you
teach your kids how to be money-smart.
Open a new account or convert an existing minor account by August 31, 2010 and we’ll give you a free ticket* to the Cheyenne Mountain Zoo, Denver Zoo or Pueblo Zoo and a plush toy elephant (recommended for ages 3 and older).*
Visit Ent.com/MoneySpace for more information on Ent's Youth Programs. To open a Youth Account, visit any Ent Service Center.
*Don’t forget to come see us! These zoo tickets – and account opening gifts – are available only while supplies last.
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.
Don't let your personal financial information fall into the wrong hands.
Members have notified us of suspicious automated phone calls asking for their personal financial information. If you have received a phone call, email or SMS text message concerning your account, ATM or Visa® debit card or
any other aspects of your account, do not respond to it in any way. It is from a fraudulent third-party posing as a credit union representative. If you have received a phone call, email or text message, and you provided personal information, please
notify us immediately at (719) 574-1100 or 800-525-9623 so we can take the proper steps to ensure your security.
As a reminder, Ent and its affiliates, vendors and regulators will never ask you to verify your account number, Social Security Number, debit or credit card number, PIN or any other sensitive financial information via email, telephone or SMS text message.
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
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