Rates

Featured Loan Rates: (Effective 01/18/2017)

• 4.49% - 6.99% APR*
• 180 -Month Term
2.99% - 8.24% APR*
• 60-Month Term
• 7.55% - 14.90% APR*
• 48-Month Term


Featured Certificate Rates: (Effective 01/18/2017)  

• 0.75% APY**
• Dividend Rate: 0.75%
• 1.50% APY**
• Dividend Rate: 1.49%

• 2.10% APY**
• Dividend Rate: 2.08%

Checking and Savings Rates: (Effective 01/18/2017)

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 01/18/2017)

Product Term APR*
Auto - 2013 and Newer 60 Months 2.99% - 8.24%
Auto - 2013 and Newer 72 Months 3.59% - 8.84%
Auto - 2013 and Newer 84 Months 4.59% - 9.84%
Auto - 2008 through 2012 60 Months 3.59% - 9.34%
Auto - 2010 through 2012 72 Months 4.59% - 10.34%
Auto - 2006 through 2007 48 Months 4.74% - 10.49%
Motorcycle - 2011 and Newer 48 Months 3.99% - 14.00%
Motorcycle - 2011 and Newer 60 Months 4.24% - 14.25%
Motorcycle - 2011 and Newer 72 Months 4.49% - 14.50%
Motorcycle - 2006 through 2010 48 Months 5.49% - 15.50%
Motorcycle - 2006 through 2010 60 Months 5.74% - 15.75%
Motorcycle - 2006 through 2010 72 Months 5.99% - 16.00%
Recreational Vehicle - 2011 and Newer 72 Months 3.99% - 10.24%
Recreational Vehicle - 2011 and Newer 120 Months 4.49% - 10.74%
Recreational Vehicle - 2011 and Newer 144 Months 4.99% - 11.24%
Recreational Vehicle - 2006 through 2010 72 Months 5.49% - 11.74%
Recreational Vehicle - 2006 through 2010 120 Months 5.99% - 12.24%
Recreational Vehicle - 2006 through 2010 144 Months 6.49% - 12.74%
Other Goods 60 Months 5.99% - 16.00%
Product Term APR*
HELOC - Variable Rate 180 Months 3.25% - 5.75%
HELOC - Standard Rate 180 Months 4.49% - 6.99%
HELOC - Fixed Rate 180 Months 4.75% - 7.25%
Product Term APR*
Personal Line of Credit Revolving 8.90% - 16.90%
Personal Loan 48 Months 7.55% - 14.90%
Personal Loan 60 Months 8.25% - 15.60%
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 01/17/2017)

Product Interest Rate APR*
10-Year Fixed-Rate 3.000% 3.291
15-Year Fixed-Rate 3.250% 3.451%
20-Year Fixed Rate 3.750% 4.026%
30-Year Fixed-Rate 4.000% 4.201%
30-Year Fixed-Rate First-Time Homebuyer (FTHB) 4.125% 4.142%
Product Interest Rate APR*
VA 15-Year Fixed 3.250% 3.714%
VA 30-Year Fixed 3.875% 4.140%
FHA 15-Year Fixed 3.250% 4.215%
FHA 30-Year Fixed 3.875% 4.697%

Product Interest Rate APR*
3-Year Balloon 15-Year Amortization 8.250% 8.608%
5-Year Balloon 15-Year Amortization 9.000% 9.383%


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

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

+ Certificates and Priority Certificates are available as Traditional and Roth or Educational Savings  Certificates. 

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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