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Ent Credit Union Rates & Review September 2026

Ent Credit Union's Personal Loan Rates are at 5.49%. MonitorBankRates evaluates the financial stability of Ent Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.30%. Rates last updated and verified on 09/10/2026.

Ent Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ent Credit Union? Share your experience about Ent Credit Union by leaving a review below, or read customer reviews before you decide to use Ent Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.30%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Ent Credit Union
Colorado Springs Headquarters
11550 Ent Pkwy
Colorado Springs, CO 80921-4274
https://www.ent.com
Member NCUA

Ent Credit Union Mortgage Rates

Product Rate Points APR Term View More
VA 15-Year Fixed 5.75% - 6.17% 15 Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Jumbo 15-Year Fixed - - 6.19% 15-Year Fixed
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
15-Year Fixed-Rate 6.25% - 6.35% 15-Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Jumbo Five Year Conv ARM (5yr/5yr) 30-Year Term 6.25% - 6.38% 30-Year Term
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
10-Year Fixed-Rate 6.25% - 6.39% 10-Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Five Year Conv ARM (5yr/5yr) 30-Year Term 6.25% 0 6.40% 30-Year Term
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
VA 30-Year Fixed 6.25% - 6.51% 30 Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Jumbo 20-Year Fixed 6.50% - 6.55% 20-Year Fixed
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
30-Year Fixed-Rate First-Time Home Buyer (FTHB) 6.63% - 6.69% 30-Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
20-Year Fixed Rate 6.63% - 6.71% 20-Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Jumbo 30-Year Fixed 6.88% - 6.92% 30-Year Fixed
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
30-Year Fixed-Rate 6.88% - 6.94% 30-Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
FHA 15-Year Fixed 5.75% - 7.21% 15 Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
FHA 30-Year Fixed 6.25% - 7.56% 30 Year
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%

Ent Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC - Variable Rate - - 6.50% 300 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
HELOC - Standard Rate - - 7.49% 240 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%

Ent Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto - 2023 And Newer - - 5.49% 36 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2020 Through 2022 - - 5.74% 36 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2023 And Newer - - 5.74% 48 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2020 Through 2022 - - 5.99% 48 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2023 And Newer - - 5.99% 66 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2020 Through 2022 - - 6.24% 66 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2023 And Newer - - 6.24% 84 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Business/Commercial Auto - 2023 And Newer - - 6.24% 66 Months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2020 Through 2022 - - 6.49% 72 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Business/Commercial Auto - 2023 And Newer - - 6.49% 72 Months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2016 Through 2019 - - 6.74% 60 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2020 Through 2022 - - 6.74% 84 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Business/Commercial Auto - 2016 Through 2022 - - 6.74% 66 Months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Business/Commercial Auto - 2023 And Newer - - 6.74% 84 Months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Business/Commercial Auto - 2016 Through 2022 - - 6.99% 72 Months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%
Auto - 2010 Through 2015 - - 7.24% 60 months
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.30%

Financial Health History

Ent Credit Union’s Texas Ratio rose from 2.78% in Q2 2023 to 3.30% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 3.8% 2.0★ 7.5% 3.0★ 11.3% 4.0★ 15% 5.0★ 15% Verified Healthy line 2.78% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 3.30% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$19.5B3.30%5.0A+
December 31, 2025$10.0B5.86%5.0A+
September 30, 2025$9.7B4.52%5.0A+
June 30, 2025$10.3B4.36%5.0A+
March 31, 2025$10.0B4.56%5.0A+
December 31, 2024$9.8B4.49%5.0A+
September 30, 2024$9.9B4.14%5.0A+
June 30, 2024$9.8B4.08%5.0A+
March 31, 2024$9.9B3.47%5.0A+
December 31, 2023$9.8B3.37%5.0A+
September 30, 2023$10.0B2.87%5.0A+
June 30, 2023$9.9B2.78%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Ent Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Ent Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Ent Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ent Credit Union
Address 11550 Ent Pkwy, Colorado Springs, CO 80921-4274
Phone 719-574-1100
Fax
President Gregory Miller
CEO Chad Graves
Full-Time Employees 2,272
Part-Time Employees 51
Branch Locations 95
ATM Locations 86
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.30%
Return on Assets (ROA)
-0.0036%
Return on Equity (ROE)
-0.0311%
Non-Performing Loans Ratio (NPL)
0.51%
Total Assets
19,478,955,762
Total Amount of Shares and Deposits
16,210,398,368
Total Shares and Deposits < 1 Year
15,572,456,130
Total Shares and Deposits 1 3 Years
583,048,466
Total Shares and Deposits > 3 Years
54,893,772
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,382,388,345
Total Uninsured Shares and Deposits > $250K (F+J)
1,383,197,691
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,827,200,677
Total Interest Expense (Sum of items 6 8)
78,397,968
Share Certificates
117,254
Number of Accounts for Share Drafts
707,625
IRA KEOGH Accounts
31,031
Number of Accounts for Regular Shares
1,100,259
All other shares
4,847
Non Member Deposits
250
Money Market Shares
112,738
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
645,865,840
Total Liabilities
17,279,252,749
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Ent Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Average Rating
★★☆☆☆
Total Reviews
1
Add Your Rating and Review for Ent Credit Union
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Frequently Asked Questions About Ent Credit Union

How many branches does Ent Credit Union operate?

Ent Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Ent Credit Union?

Yes, to access services at Ent Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Ent Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ent Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ent Credit Union offer online and mobile banking?

Most modern institutions like Ent Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ent.com.