Ent Credit Union Review: High Rates, Low Fees

GOBankingRates Score

Our Take: For serving such a limited area, Ent Credit Union packs in the services, with fee-free accounts and high bonus annual percentage yields on some accounts.
  • Fees
  • APYs
  • Breadth of Products
  • Account Minimums
How did we calculate this?


  • No-fee checking, savings and money market accounts
  • Interest-bearing checking account
  • Bonus APYs on small balances


  • Limited geographical reach
  • High fees for some services, like outbound wire transfers

About Ent Credit Union

Ent Credit Union is a not-for-profit financial institution, dubbing itself the #1 credit union in Colorado. Established in 1957, it currently serves over 400,000 members. Ent blends some of the features of an online bank, such as high APYs and a mobile app, with the benefit of a decent branch network in its service area. Although the account offerings aren’t extensive, Ent Credit Union provides all of the basic account types customers typically choose, from checking and savings accounts to a money market and certificates of deposit. GOBankingRates has ranked it as one of the Best Credit Unions of 2021.

Ent Credit Union Products

Ent Credit Union is a regional institution, but it still offers a variety of basic banking products that most customers need.

Product Key Details
Savings Account
  • No monthly fees
  • High savings APY on first $500
Money Market Account
  • No fees or minimum balance requirements
  • Tiered interest rate structure
CD Rates
  • Five CD options to choose from
  • Low $500 minimum on standard CDs
  • Just $25 required to open two types of CDs
  • Priority CDs with added perks available
Interest Checking
  • No fees or minimum balance requirements
  • Astronomical 4.00% APY on the first $500
  • Free Student Checking pays interest
  • Annuities, mutual funds, retirement accounts, bonds, self-directed online trading
  • Traditional and Roth IRAs
  • Auto, personal, student and home loans in addition to credit cards

Ent Credit Union Savings Account

Ent Credit Union has a single primary savings account known as the Ent Extras Savings account. The credit union also offers individual retirement account savings and a health savings account. 


  • No monthly fees
  • $5 minimum to open Ent Extras Savings account
  • Extraordinary 6.00% APY on the first $500 deposited in Ent Extra Savings account
  • No minimum for IRA Savings or HSA
  • Digital banking and mobile app
  • Free overdraft transfer to checking account


  • Extraordinary 6.00% APY on the first $500 deposited
  • Small $5 minimum
  • No monthly fees
  • Good online and mobile access
  • IRA Savings and an HSA available


  • Relatively paltry 0.10% APY on balances above $500

Ent Credit Union Money Market Account

Ent Credit Union offers a single money market account.


  • No monthly fees
  • No minimum balance requirement
  • Online and mobile banking
  • Tiered interest rates from 0.15% to 0.35%


  • No monthly fees
  • No minimum balance requirement
  • Higher savings rate than the standard rate on the Ent Extra Savings account
  • Up to six free withdrawals per month, including ATM transactions
  • Tiered interest rate structure for customers with larger balances


  • Low 0.15% APY for balances up to $2,500

Ent Credit Union CD Accounts

Ent Credit Union offers a wide variety of CD types. In addition to Standard and Priority CDs, the credit union offers a My Savings Starter CD, a My Savings Builder CD and Youth CDs.


  • Five types of CD
  • Maturities out to 84 months
  • Priority CD offers one-time rate bump, one-time additional contribution and one-time penalty-free withdrawal options
  • $500 minimum for Standard CD
  • $5,000 minimum for Priority CD
  • $25 minimums for My Savings Starter and My Savings Builder CDs


  • Wide range of CD options 
  • $25 minimum deposit for some accounts
  • Relatively low $500 minimum on Standard CD
  • Additional benefits with Priority CD


  • Early withdrawal penalties as high as one full year of interest for CDs with maturities of 36 months or greater

Ent Credit Union Checking Accounts

Ent Credit Union offers one primary checking account, the Ent Extras Checking account. The credit union also offers a Basic Checking account and a Free Student Checking account.


  • Extraordinary 4.00% APY on the first $500 deposited into Ent Extras Checking
  • No monthly service fees
  • No minimum balance requirement
  • Free debit card and four free non-network ATM transactions monthly for Free Student Checking
  • Free access to almost 30,000 ATMs nationwide


  • Free interest-bearing checking
  • Excellent 4.00% APY on the first $500 deposited


  • Basic Checking account pays no interest
  • Much more modest 0.05% APY on any funds above $500

Banking Experience

Ent Credit Union is only based in Colorado, but it has a wide network of fee-free ATMs and offers both online and mobile account access.  

Physical Branch Locations

Ent Credit Union has more than 40 service centers across Colorado’s Front Range — specifically, the Pikes Peak, Pueblo and Denver areas. The credit union offers access to nearly 30,000 ATMs nationwide, although fees at non-network ATMs are $1.50.

Mobile and Digital Experience

Although Ent Credit Union offers account access both through its website and its mobile app, the apps don’t receive the greatest reviews from users. For the Android app, 1,322 users give an average rating of 4.1 stars, while on the App Store, the average rating is just 3.6 stars from the 124 ratings.

How To Open an Account

You can join Ent Credit Union and/or open an account online with the following information:

  • Physical address
  • Social Security number
  • Date of birth
  • Contact information
  • Funding information

You can also visit an Ent Credit Union branch to open an account.

Customer Service

You can reach Ent Credit Union customer service at 800-525-9623 or 719-574-1110. Hours are Monday through Friday from 7 a.m. to 6 p.m. and Saturdays from 8 a.m. to 4 p.m. All times are Mountain Time.

Key Information

Customer Service Number: 800-525-9623 or 719-574-1110 

Routing Number: 307070005

Locations: Ent Credit Union Near You

Ent Credit Union Fees

Ent Credit Union shines in the area of account fees. All of its checking, savings, money market and CD accounts have no monthly fees. Ent Credit Union also offers fee-free access to nearly 30,000 ATMs nationwide. However, the credit union does have some product and service fees, including the following:

Type Fee
Non-network ATM transactions $1.50
Non-sufficient funds fee $30
Account closure within 90 days of opening $10
Accounts inactive at least one year $5 per month
Outgoing domestic wire transfers $25
Outgoing international wire transfers $55

Ent Credit Union offers free overdraft transfers from a savings account, money market account or personal line of credit.

Final Take

Ent Credit Union offers some of the features that most appeal to customers — namely, no-fee accounts with high APYs. Although the 4% and 6% APYs on the credit union’s checking and savings accounts are limited to the first $500, that’s still a great boost. And with no fees for all basic banking accounts, including almost 30,000 fee-free ATMsEnt Credit Union stands out.

Beyond the basics, Ent Credit Union offers a wide variety of loan products, from home mortgages and lines of credit to personal loans, student loans and even credit cards. Combined with IRAs and business accounts, Ent Credit Union can be a one-stop shop for many customers.

The few drawbacks with Ent Credit Union include its high $30 NSF fee — although overdraft protection can avoid that — and its high fees for some ancillary services, particularly outbound wire transfers.

Overall, however, Ent Credit Union offers a lot of bang for the buck, although its geographical reach is limited to portions of Colorado.

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    Editor’s Favorite

    The Ent Extras Checking and Savings accounts are standouts, as they charge no fees and pay astronomical APYs. Add in a wide, fee-free ATM network and a relatively broad account line and Ent Credit Union is worth a look.  

    Ent Credit Union FAQ

    Here are the answers to some commonly asked questions about Ent Credit Union.
    • Is Ent Credit Union nationwide?
      • No. Ent Credit Union is a Colorado-based institution with approximately 40 locations in the Pikes Peak, Pueblo and Denver areas.
    • Is Ent Credit Union FDIC-insured?
      • As a credit union, Ent is not FDIC-insured. However, it carries the same $250,000 account protection via the National Credit Union Administration, of which it is a member. 
    • Is Ent Credit Union a non profit?
      • Ent Credit Union is a not-for-profit financial institution, delivering local services and high value to its members.
    • Who can join Ent Credit Union?
      • Membership in Ent Credit Union is limited to those who live, work, worship or attend school in the credit union's service area, which includes the following counties: 
        • -Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Elbert, Fremont, Jefferson, Larimer, Pueblo, Teller and Weld
    • How do I order checks from Ent?
      • You can visit the "Services" section of the Ent Credit Union website to order checks. You can also go directly to the website of the credit union's check provider, Clarke American.
    • Does Ent offer free money for signing up for an account?
      • Currently, Ent Credit Union does not offer any new account sign-up promotions. The credit union recently had a $200 signup bonus for new checking accounts, but that expired on Nov. 30. Check the credit union's website for current promotions.

    Rates are subject to change. Information on accounts is accurate as of Dec. 7, 2020.

    This content is not provided by Ent Credit Union. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Ent Credit Union.

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    About the Author

    After earning a B.A. in English with a Specialization in Business from UCLA, John Csiszar worked in the financial services industry as a registered representative for 18 years. Along the way, Csiszar earned both Certified Financial Planner and Registered Investment Adviser designations, in addition to being licensed as a life agent, while working for both a major Wall Street wirehouse and for his own investment advisory firm. During his time as an advisor, Csiszar managed over $100 million in client assets while providing individualized investment plans for hundreds of clients.

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