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Individual Retirement Accounts

Saving for retirement? Lock in a great rate with Ent's IRA options.

Please check with your financial or tax advisor for more details about the IRA that's best for you and your tax deductibility status. Minimum deposit to open an IRA certificate is $500. An IRA Savings account requires only a $5 deposit.


Offer Dividend Rate APY*
3-5 Month IRA Certificates0.70%0.70%
6-11 Month IRA Certificates1.00%1.00%
12-Month IRA Certificate1.39%1.40%
13-17 Month IRA Certificates1.39%1.40%
18-23 Month IRA Certificates1.59%1.60%
24-29 Month IRA Certificates1.74%1.75%
30-35 Month IRA Certificates1.98%2.00%
36-41 Month IRA Certificates2.37%2.40%
42-47 Month IRA Certificates2.47%2.50%
48-53 Month IRA Certificates2.57%2.60%
54-59 Month IRA Certificates2.72%2.75%
60-Month IRA Certificate3.06%3.10%
24-29 Month Priority IRA Certificates1.64%1.65%
30-35 Month Priority IRA Certificates1.88%1.90%
36-Month Priority IRA Certificate2.27%2.29%
IRA Savings Account $0 - $499.990.25%0.25%
IRA Savings Account $500.00 - $2,499.990.30%0.30%
IRA Savings Account $2,500.00 - $9,999.990.75%0.75%
IRA Savings Account $10,000.00 - $24,999.990.90%0.90%
IRA Savings Accounts $25,000 and Above1.00%1.00%



*APY - Annual Percentage Yield. ** Money Space Youth Certificate is a 12-month certificate for Ent members under 18 years of age. Lion One Checking accounts earn dividends at the Free College Checking dividend rate. "Business Accounts" (Commercial Checking Accounts) in existence prior to 8/1/2006 will receive dividends at the same rate as ValuePLUS Checking accounts.

Certificate Minimum Deposit Requirements: $25 for a My Savings Starter Certificate or a 6-month term My Savings Builder Certificate, $500 for regular Certificates, and $5,000 for Priority Certificates. The My Savings Builder Certificate has a $1,000 deposit maximum, and cannot be opened as an IRA or ESA. Certificates and IRA Certificates may have a penalty for early withdrawal. HSA Certificates are available in terms from 3 to 23 months.

Rates are subject to change without notice. Dividends are paid from current income and available earnings after required transfers to reserves. Fees may reduce earnings. Please reference "Important Account Information" for additional information. For additional rate information, please call (719) 574-1100 or 800-525-9623.

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