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Rates

Featured Loan Rates:

(Effective 07/18/2017)

• 4.99% - 7.49% APR*
• 180 -Month Term
2.99% - 8.49% APR*
• 60-Month Term
• 5.99% - 14.90% APR*
• 48-Month Term


Featured Certificate Rates:

(Effective 07/18/2017)  

• 0.75% APY**
• Dividend Rate: 0.75%
• 1.40% APY**
• Dividend Rate: 1.39%
• 2.10% APY**
• Dividend Rate: 2.08%

Checking and Savings Rates: (Effective 07/18/2017)

Product Dividend Rate APY**
Free Checking 0.00% 0.00%
ValuePLUS Checking 0.05% 0.05%
Free Student Checking 0.05% 0.05%


Loan Rates: (Effective 07/18/2017)

Product Term APR*
Auto - 2014 and Newer 60 Months 2.99% - 8.49%
Auto - 2014 and Newer 72 Months 3.74% - 9.24%
Auto - 2014 and Newer 84 Months 4.84% - 10.34%
Auto - 2009 through 2013 60 Months 3.74% - 9.34%
Auto - 2011 through 2013 72 Months 4.74% - 10.34%
Auto - 2007 through 2008 48 Months 4.89% - 10.49%
Motorcycle - 2012 and Newer 48 Months 3.99% - 14.00%
Motorcycle - 2012 and Newer 60 Months 4.24% - 14.25%
Motorcycle - 2012 and Newer 72 Months 4.49% - 14.50%
Motorcycle - 2007 through 2011 48 Months 5.49% - 15.50%
Motorcycle - 2007 through 2011 60 Months 5.74% - 15.75%
Motorcycle - 2007 through 2011 72 Months 5.99% - 16.00%
Recreational Vehicle - 2012 and Newer 72 Months 3.99% - 10.24%
Recreational Vehicle - 2012 and Newer 120 Months 4.49% - 10.74%
Recreational Vehicle - 2012 and Newer 144 Months 4.99% - 11.24%
Recreational Vehicle - 2007 through 2011 72 Months 5.49% - 11.74%
Recreational Vehicle - 2007 through 2011 120 Months 5.99% - 12.24%
Recreational Vehicle - 2007 through 2011 144 Months 6.49% - 12.74%
Other Goods 60 Months 5.99% - 16.00%
Product Term APR*
HELOC - Variable Rate 180 Months 3.75% - 6.25%
HELOC - Standard Rate 180 Months 4.99% - 7.49%
HELOC - Fixed Rate 180 Months 5.24% - 7.74%
Product Term APR*
Personal Line of Credit Revolving 8.90% - 16.90%
Personal Loan 48 Months 5.99% - 14.90%
Personal Loan 60 Months 6.69% - 15.60%
Personal Loan 72 Months 7.39% - 16.30%
Product Term APR*
Credit Builder 24 Months 2.99%
CD/Savings Secured 36 Months 2.99%
CD/Savings Secured 60 Months 3.49%
CD/Savings Secured 120 Months 4.00%


Mortgage Rates: (Effective 07/17/2017)

Product Interest Rate APR*
10-Year Fixed-Rate 3.125% 3.420%
15-Year Fixed-Rate 3.250% 3.454%
20-Year Fixed Rate 3.750% 4.028%
30-Year Fixed-Rate 4.000% 4.203%
30-Year Fixed-Rate First-Time Home Buyer (FTHB) 4.125% 4.143%
Product Interest Rate APR*
VA 15-Year Fixed 3.125% 3.586%
VA 30-Year Fixed 3.750% 4.013%
FHA 15-Year Fixed 3.250% 4.417%
FHA 30-Year Fixed 3.875% 4.952%

Product Interest Rate APR*
3-Year Balloon 15-Year Amortization 8.250% 8.625%
5-Year Balloon 15-Year Amortization 9.000% 9.394%

Checking and Savings Rates: (Effective 07/18/2017)


Product Dividend Rate APY**
Business Savings Accounts 0.10% 0.10%


Loan Rates: (Effective 07/18/2017)


Product Term APR*
Auto - 2014 and Newer 60 Months 3.240%
Auto - 2014 and Newer 72 Months 3.840%
Auto - 2014 and Newer 84 Months 4.840%
Auto - 2007 through 2013 60 Months 3.840%
Auto - 2007 through 2013 72 Months 4.840%
Product Term APR*
Business Line of Credit Revolving 6.900%


Visit Ent.com/Legal to review Ent's Important Account Information Disclosures. 

 *APR - Annual Percentage Rate. **APY - Annual Percentage Yield.

Certificate products are available as Traditional IRAs, Roth IRAs, Coverdell ESAs and HSAs. Certificates automatically renew at a 13-month term at the current non-promotional rate upon maturity. Dividends are paid from current income and available earnings after required transfers to reserves. Certificates and Priority Certificates are available as Traditional and Roth or Educational Savings Certificates.

***Business Analysis Checking features an Earnings Credit rate of 0.80%. Earnings credit calculates the average daily balance of the Analysis Checking and applies a designated earnings rate monthly used to offset Account Maintenance Fee, Per Item Fees and Miscellaneous Fees. Any additional earnings above the fee(s) offset will not be carried forward or credited to the Member’s account. 

Rates displayed for Free Student Checking are also the rates for Free College Checking.
Individual Retirement Account (IRA) Annual contribution limits apply and penalties may apply for early withdrawal. Penalties could reduce your earnings. Please consult your tax advisor for additional information.

Rates are subject to change without notice. Rate and term are dependent upon credit qualifications and/or amount financed. Loan rates listed are the lowest and highest APRs available. Your actual rate is based on credit performance. Lowest rate shown is for well-qualified borrowers and includes automatic payment and electronic document discount. Ent offers financing on homes throughout Colorado. Closing costs include origination fee, title policy, appraisal, credit report, and survey. Closing costs on construction loans may vary. Standard credit and underwriting guidelines apply. 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 adviser for further information regarding the deductibility of interest and charges. All loans are subject to final credit approval.

Dividends are paid from current income and available earnings after required transfers to reserves. Fees may reduce earnings. 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.

Please reference Important Account Information for additional information and disclosures and reference the Mortgage Resource Center for more information on loan qualifications and examples. For additional rate information, please call (719) 574-1100 or 800-525-9623.

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