APY Ledger

Wings Credit Union (formerly Ent) CD & Share Certificate Rates — October 2026

Also known as Ent Credit Union, Ent, Wings Financial.

As of October 22, 2026, Wings Credit Union (formerly Ent)'s highest CD (share certificate) rate is 4.80% APY on a 6-month special CD ($25 minimum). That is 3.5 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.65% to 4.25% APY.

Last verified from www.ent.com · NCUA-insured credit union · Colorado Springs, CO

Tracking began .

Best APY4.80%6 months, $25 min
vs. Treasury+0.40%same-term Treasury 4.40%
vs. national average3.5×FDIC national average 1.39%
After inflation1.06%CPI 3.7% year over year
$10,000 earns$237over 6 months, before tax

Wings Credit Union (formerly Ent) CD & share certificate rates

Ent Credit Union now operates as Wings Credit Union; ent.com shows Wings certificate rates.

Wings Credit Union (formerly Ent) CD rates
TermProductMinimumAPYvs. Treasury
3 months 3-5 Month Certificates $500 3.75%Verified October 22, 2026 −0.54%
6 months My Savings Builder Certificate Special $25 4.80%Verified October 22, 2026 +0.40%
6 months 6-11 Month Certificates $500 3.80%Verified October 22, 2026 −0.60%
12 months 12 Month Certificate $500 3.85%Verified October 22, 2026 −0.72%
13 months 13-17 Month Certificates $500 3.85%Verified October 22, 2026 −0.75%
17 months 17 Month Special Certificate Promotional $500 4.10%Verified October 22, 2026 −0.59%
18 months 18-23 Month Certificates $500 3.85%Verified October 22, 2026 −0.87%
24 months 24-29 Month Certificates $500 3.90%Verified October 22, 2026 −0.97%
24 months 24-29 Month Flex Certificates $1,000 3.65%Verified October 22, 2026 −1.22%
30 months 30-35 Month Certificates $500 3.90%Verified October 22, 2026 −1.01%
30 months 30-35 Month Flex Certificates $1,000 3.65%Verified October 22, 2026 −1.26%
36 months 36-41 Month Certificates $500 4.00%Verified October 22, 2026 −0.95%
36 months 36 Month Flex Certificate $1,000 3.75%Verified October 22, 2026 −1.20%
42 months 42-47 Month Certificates $500 4.00%Verified October 22, 2026 −0.97%
48 months 48-53 Month Certificates $500 4.10%Verified October 22, 2026 −0.88%
54 months 54-59 Month Certificates $500 4.10%Verified October 22, 2026 −0.90%
60 months 60 Month Certificate $500 4.15%Verified October 22, 2026 −0.86%
84 months 84 Month Certificate $500 4.25%Verified October 22, 2026 −0.84%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.10% APY (17 months). The standard rate for a similar term is 3.85% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $25 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are Wings Credit Union (formerly Ent)'s best CD rates by term?

Wings Credit Union (formerly Ent)'s best rate is 4.80% APY on 6 months, verified October 22, 2026.

  1. 3 mo3.75%
  2. 6 mo4.80%
  3. 12 mo3.85%
  4. 13 mo3.85%
  5. 17 mo4.10%
  6. 18 mo3.85%
  7. 24 mo3.90%
  8. 30 mo3.90%
  9. 36 mo4.00%
  10. 42 mo4.00%
  11. 48 mo4.10%
  12. 54 mo4.10%
  13. 60 mo4.15%
  14. 84 mo4.25%

Calculate earnings at 4.80% for 6 months

How Wings Credit Union (formerly Ent) compares

Rate changes

No changes since we started tracking Wings Credit Union (formerly Ent) on October 22, 2026.

About Wings Credit Union (formerly Ent)

Legal name
Wings Credit Union
Regulator ID
NCUA 68671
Headquarters
Colorado Springs, CO
Available in
CO, FL, GA, MI, MN, WI
Total assets
$19.4 billion
Also known as
Ent Credit Union, Ent, Wings Financial
Website
www.ent.com

Source: rates read from https://www.ent.com/rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Wings Credit Union (formerly Ent)?

4.80% APY on a 6-month special CD, as of October 22, 2026.

What is the minimum deposit for a Wings Credit Union (formerly Ent) CD?

The lowest minimum we found is $25; jumbo and higher balance tiers start at up to $1,000.

How does Wings Credit Union (formerly Ent)'s best CD rate compare with Treasury yields?

4.80% APY is +0.40% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.80% a good CD rate?

It is 3.5 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Wings Credit Union (formerly Ent) CDs insured?

Wings Credit Union (formerly Ent) is a federally insured credit union (NCUA 68671). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Wings Credit Union (formerly Ent)?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check Wings Credit Union (formerly Ent)'s rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from Wings Credit Union (formerly Ent)'s website and may change at any time. Confirm terms, minimums and eligibility with Wings Credit Union (formerly Ent) before opening an account. This page is not financial advice.