Source: https://www.ent.com/rates/
Read: 2026-10-22T07:23:39.000Z

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RATES
Competitive rates and personal service
Reach your goals with the right rate and local support
Personal
Business
Checking and savings rates
Printable checking and savings rates
Checking
Savings
Money market
Certificates of deposit
Product | Dividend Rate | APY**
17 Month Special Certificate | 4.03% | 4.10%
3-5 Month Certificates | 3.69% | 3.75%
6-11 Month Certificates | 3.74% | 3.80%
12 Month Certificate | 3.78% | 3.85%
13-17 Month Certificates | 3.78% | 3.85%
18-23 Month Certificates | 3.78% | 3.85%
24-29 Month Certificates | 3.83% | 3.90%
30-35 Month Certificates | 3.83% | 3.90%
36-41 Month Certificates | 3.93% | 4.00%
42-47 Month Certificates | 3.93% | 4.00%
48-53 Month Certificates | 4.03% | 4.10%
54-59 Month Certificates | 4.03% | 4.10%
60 Month Certificate | 4.07% | 4.15%
84 Month Certificate | 4.17% | 4.25%
24-29 Month Flex Certificates | 3.59% | 3.65%
30-35 Month Flex Certificates | 3.59% | 3.65%
36 Month Flex Certificate | 3.69% | 3.75%
My Savings Starter Certificate | 1.93% | 1.92%
My Savings Builder Certificate | 4.70% | 4.80%
Youth Certificate ** | 3.98% | 4.05%
Loan rates
Printable loan rates
Auto
Home equity
Personal
Mortgage purchase rates
Posted rates are for new purchase loans.
Rates and APRs shown are for example purposes only and may not reflect the actual rate an applicant qualifies for. Final pricing will depend on credit profile, loan characteristics, and property type. Rates may change multiple times daily and are subject to credit approval and other underwriting conditions. Contact a mortgage loan officer for a personalized quote. See below for payment examples and additional disclosures.
Fixed
Adjustable
VA & FHA
Jumbo
Mortgage refinance rates
Posted rates are for refinance loans.
Rates and APRs shown are for example purposes only and may not reflect the actual rate an applicant qualifies for. Final pricing will depend on credit profile, loan characteristics, and property type. Rates may change multiple times daily and are subject to credit approval and other underwriting conditions. Contact a mortgage loan officer for a personalized quote. See below for payment examples and additional disclosures.
Fixed
Adjustable
VA & FHA
Jumbo
*APR - Annual Percentage Rate. **APY - Annual Percentage Yield.
Visit Ent.com/Legal to review Wings' 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)
Interest rates and monthly principal and interest payments on ARM products may increase or decrease after the initial fixed-rate period. The first number in the ARM description identifies the initial fixed-rate period and the second identifies how often the rate may adjust thereafter. For example, a 5yr/6mo ARM is fixed for five years and may adjust every six months thereafter; a 7yr/6mo ARM is fixed for seven years and may adjust every six months thereafter; and a 5yr/5yr ARM is fixed for five years and may adjust every five years thereafter. Rate adjustments are subject to the terms of the loan program.
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Wings Credit Union doing business as Ent Credit Union.
Please note: If you have both a legacy Ent Credit Union and a legacy Wings Financial Credit Union share account(s), as of June 30, 2026, the accounts will be aggregated into one account and will be insured up to a maximum amount of $250,000 under NCUA’s share insurance.
Ent Credit Union has officially changed its name to Wings Credit Union. We will continue doing business as Ent Credit Union while we transition our branding to our new name.
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