Step your way up to more financial security

Start a My Savings Builder CD with just $25 & grow your money at 4.63% APY¹

Open in a service center

Build more financial peace of mind — in 4 easy steps

Starting small doesn’t mean it’s not worth starting at all. Ent’s My Savings Builder CD makes it simple to start — and easy to keep growing. Begin with as little as $25, add $5 (or more) per month for 6 months,² and earn 4.63% APY as you grow up to $1,000 in secure savings.³

Open with only $25

Start your CD in person at a service center, or by phone with an initial $25 deposit.

Set up monthly transfers

Schedule an automatic transfer of $5 or more each month, so you can set it and forget it.

Watch your balance grow

Earn interest on every dollar saved (up to $1,000) without having to rethink your budget.

Keep building or roll over

Roll over to a standard 6-month CD at maturity, or just withdraw and use your savings.

Look ahead and see your future earnings

Get a preview of the interest your CDs can earn. The “Annual Percentage Yield” (APY) will be the annual rate of return after factoring in your compounding interest.

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Initial deposit must be between $25 and $1,000
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Monthly contribution cannot exceed $0
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Total savings at maturity
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Interest earned
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Results from this calculator are hypothetical and are for illustrative purposes only. Calculators should be used as a self-help tool only and do not consider the impact of fees that may apply. Results may not be applicable to your individual situation and do not constitute an offer. We encourage you to seek advice and guidance from a qualified professional regarding all personal finance issues. Actual terms may differ.

Connect with a financial coach — at no cost

Learn to make smart and confident money choices with free financial coaching from Ent’s Certified Credit Union Financial Counselors (CCUFC). You’ll get useful tips on debt repayment, creating a spending plan, building or rebuilding your credit, setting savings goals and more.

Or schedule a virtual appointment

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My Savings Builder CD FAQs

If you miss your $5 minimum monthly deposit because you canceled automatic transfers or have insufficient funds in your account, your My Savings Builder CD will be automatically converted to a standard 6-month CD at the beginning of the next calendar month. It will then continue earning interest for the remainder of the term, at the current rate for that CD type.

Your My Savings Builder CD will be automatically converted to a standard 6-month CD immediately. It will then continue earning interest for the remainder of the term, at the current rate for that CD type.

Yes, you can add more deposits to the CD at any time during the 6-month term (until the balance reaches $1,000 or the CD matures). Any additional deposits beyond your monthly automated transfer must be made at a service center or by phone.

The My Savings Builder CD is limited to one CD per primary member, even if you have multiple accounts.

If you put at least $5 into the CD monthly and don’t withdraw any funds for the length of the term, then you won’t have to worry about penalties or fees. A penalty is imposed when funds are withdrawn before the CD’s maturity date. See full details in Ent’s Certificates of Deposit Disclosure under Important Account Information.

1 Membership required. (APY) Annual Percentage Yield. Rates are Effective as of 12/29/2025 and may change at any time. Visit Ent.com/Rates for current rate information. Limit of one (1) My Savings Builder Certificate per Member. Certificate matures after 6 months. $25 minimum deposit is required for My Savings Builder Certificate. To receive APY a monthly deposit of at least $5 must be made. A penalty may be assessed for early withdrawal. Penalties or fees could reduce earnings. My Savings Builder Certificate will renew at current rate of 6-month certificate upon maturity.

2 If the principal balance is reduced below the Minimum Qualifying Amount of twenty-five dollars ($25), then the certificate account will be closed, and all funds will be transferred to another savings account owned by the member. If monthly automatic transfer deposits of at least five dollars ($5) are not conducted, then the account will convert to the dividend rate and terms of a non-promotional regular six (6) month certificate at the beginning of the next calendar month.

3 Deposits must be completed in person at an Ent service center or via Ent’s contact center. My Savings Builder CDs are not eligible for online banking transactions. b) Deposits cannot exceed $1,000. c) The rate is adjusted to the regular 6-month certificate rate for the remainder of the term if the balance of the certificate exceeds $1,000. d) A certificate that has exceeded the maximum balance will roll over into a regular 6-month certificate upon maturity.

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