Competitive rates and personal service

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

Visit Ent.com/Legal to review Ent's Important Account Information Disclosures. For additional rate information, please call (719) 574-1100 or (800) 525-9623.

All rates are subject to change without notice.

Checking & Savings:

Certificate of deposit products are available as Traditional IRAs, Roth IRAs, Coverdell ESAs and HSAs. Dividends are paid from current income and available earnings after required transfers to reserves. Certificates of deposit and Flex Certificates of Deposit 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.

Dividends are paid from current income and available earnings after required transfers to reserves. Fees may reduce earnings. Certificate of Deposit Minimum Deposit Requirements: $25 for a My Savings Starter Certificate of Deposit or a 6-month term My Savings Builder Certificate of Deposit, $500 for regular Certificates of Deposit, and $1,000 for Flex Certificates of Deposit. The My Savings Builder Certificate of Deposit has a $1,000 deposit maximum and cannot be opened as an IRA or ESA. Certificates of Deposit and IRA Certificates may have a penalty for early withdrawal.

Loans:

Auto, Home Equity, and Personal loan rates listed are the lowest and highest APRs available. Your actual rate is based on credit performance. The lowest rate shown is for well-qualified borrowers and includes automatic payment and electronic document discount. Standard account and credit qualifications apply. Rate and term are dependent upon credit qualifications and/or amount financed. All loans are subject to final credit approval.

Financing available on homes throughout Colorado. Closing costs may vary depending on the loan and property insurance is required. Consult a tax advisor for further information regarding the deductibility of interest and charges.

Mortgages Rates:

The following examples are based on standard loan assumptions and are for illustrative purposes only. Monthly payments shown include principal and interest only and exclude taxes, insurance, and other costs. Actual payment obligations will be higher.

APR includes estimated borrower-paid finance charges, such as prepaid interest, a processing fee, and certain lender-required third-party services (e.g., flood certification or tax service). Finance charges and APR will vary based on individual loan terms. Discount points, if paid, will increase the finance charge and APR.

For more information on loan qualifications, visit our Mortgage Resource Center.

Conventional / First-Time Home Buyer (FTHB)

Based on Fannie Mae conforming loan limits.

Example: $480,000 loan amount, 30-year fixed, 20% down, interest rate 6.25%, no points. Estimated payment: $ 2,956 | APR: 6.268%

Non-Conforming / Jumbo

For loan amounts exceeding conforming limits.

Example: $1,100,000 loan amount, 30-year fixed, 20% down, interest rate 6.25%, no points. Estimated payment: $6,773 | APR: 6.259%

VA

Assumes full entitlement, 100% financing, no prior VA loans, and non-exempt funding fee.

Example: $500,000 base loan, 30-year fixed, 0% down, interest rate 5.75%, no points. Estimated payment: $2,981 | APR: 5.977%

FHA

Based on HUD loan limits and minimum down payment requirements.

Example: $340,000 base loan, 30-year fixed, 3.5% down, interest rate 5.75%, no points. Estimated payment: $2,019 | APR: 5.972%

Adjustable-Rate Mortgage (ARM)

Rates and payments may increase after the initial fixed period.

Example: $450,000 loan amount, 5/6 ARM, 30-year term, 20% down, initial interest rate 5.75%, no discount points. Estimated initial monthly payment: $2,625 | APR: 5.770%

Rate is fixed for the first 5 years and may adjust every 6 months thereafter based on market conditions.