Ent Credit Union Reviews: Checking, Savings, CD, Money Market and IRA Accounts

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Updated on Tuesday, September 1, 2020

Ent Credit Union’s checking account options

ValuePLUS

This checking account only earns a mediocre interest rate.
APYMinimum Balance to Earn APY
0.05%
$0.01
  • Minimum opening deposit: None
  • Monthly account maintenance fee: $5, unless you keep at least $500 in your account
  • ATM fee: $1.50 for using an out-of-network ATM, plus any surcharge fees from the ATM’s owner. If you use your card abroad, you’ll also pay a 1% foreign transaction fee.
  • ATM fee refunds: Ent Credit Union won’t charge you for your first four out-of-network ATM transactions per month
  • Overdraft fee: $25 per item, but only if you overdraw your account by $10 or more. If you link up another account for overdraft protection, transfers are free

If you’re itching to earn some interest on your checking account balance and aren’t a student, this is your only option at Ent Credit Union. Interest will be tallied up and deposited into your account at the end of each month. This is also a handy account to have if you use ATMs frequently, because you won’t pay any Ent Credit Union ATM fees on the first four out-of-network ATM transactions you make each month (although you’ll still have to pay any surcharge fees).

It’s important to remember to keep at least $500 in your account at all times. If you don’t, Ent Credit Union will charge you a $5 monthly fee, which could easily wipe out any interest gains for the month.

How to get Ent Credit Union’s ValuePLUS Checking account

If you’re already a member of Ent Credit Union, you can easily add this account onto your profile by logging into the credit union’s online banking portal. If not, you’ll first need to apply for membership. You can do this online or by visiting a local branch. If your application is approved, you’ll also need to open a savings or money market account with at least a $5 deposit to establish your membership.

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Free Student checking

People ages 15-25 qualify for this free interest-bearing checking account.
APYMinimum Balance to Earn APY
0.05%
$0.01
  • Minimum opening deposit: None
  • Monthly account maintenance fee: None
  • ATM fee: $1.50 for using an out-of-network ATM, plus any surcharge fees from the ATM’s owner. If you use your card abroad, you’ll also pay a 1% foreign transaction fee.
  • ATM fee refunds: Your first four out-of-network ATM transactions are free. You’ll still have to pay for any ATM surcharge fees, however.
  • Overdraft fee: $25 per item, but only if you overdraw your account by $10 or more. If you link up another account for overdraft protection, transfers are free

Young people between the ages of 15-25 are eligible to open this account. If you’re under age 18, however, you’ll need to have a parent or guardian listed as a joint account owner. Once you turn 26, this account will automatically convert into a Free Checking account. You’ll need to decide whether to keep the account open at that point since the regular Free Checking account doesn’t earn any interest, like this account does.

Ent Credit Union is currently running a promotional offer on this account. If you open it (and it’s your first account with the credit union) by Sept. 30, 2018, Ent Credit Union will deposit a $50 reward into your account within 45 days of opening.

How to get Ent Credit Union’s Free Student checking account

Unfortunately, this is one account that you can’t open online. To get it, you’ll either need to visit a local branch of the credit union, or call its service center and open an account over the phone. Heads-up: the credit union may run a credit check on you as a part of the account-opening process. If approved, you’ll also need to deposit at least $5 in a savings or money market account to establish your membership.

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UCCS Lion One

This checking account is especially designed for people affiliated with the University of Colorado Colorado Springs.
  • Minimum opening deposit: None
  • Monthly account maintenance fee: None
  • ATM fee: $1.50 for using an out-of-network ATM, plus any surcharge fees from the ATM’s owner. If you use your card abroad, you’ll also pay a 1% foreign transaction fee.
  • ATM fee refunds: Ent Credit Union waives the first four out-of-network ATM transaction fees per month (although you may still be responsible for any ATM surcharge fees from the ATM’s owner).
  • Overdraft fee: $25 per item, but only if you overdraw your account by $10 or more. If you link up another account for overdraft protection, transfers are free

If you’re a University of Colorado Colorado Springs student, this may definitely be one handy account to have. That’s because Ent Credit Union has teamed up with the university so that you can get a free UCCS Lion OneCard. This card serves as a dual university ID/debit card that you can use to make purchases and ATM withdrawals, as well as access your dorm room and dining halls. This account also earns interest, but you’ll have to call the credit union to ask about the current rate.

Aside from that special feature, this account is basically the same thing as the regular Free Student checking account. There are no age requirements, however, and even UCCS staff and faculty can apply for this account.

How to get Ent Credit Union’s Lion One Checking account

This is another Ent Credit Union account that’s not available to open online. You’ll need to open this account in person at the credit union’s UCCS branch. You can also sign up for an account during one of UCCS’s freshman orientations, where Ent Credit Union maintains a presence. These orientations are held three times a year, at the start of each semester (summer, fall and spring).

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Free checking

The Free checking account gives you access to all the things you need to pay your bills and make purchases.
  • Minimum opening deposit: None
  • Monthly account maintenance fee: None
  • ATM fee: $1.50 for using an out-of-network ATM, plus any surcharge fees from the ATM’s owner. If you use your card abroad, you’ll also pay a 1% foreign transaction fee.
  • ATM fee refunds: None
  • Overdraft fee: $25 per item, but only if you overdraw your account by $10 or more. If you link up another account for overdraft protection, transfers are free.

If all you need is some way to buy things and make payments with either an ACH transfer, debit card, or check, then this is probably the best account for you. It comes with the full functionality of a checking account, including Ent Credit Union’s online and mobile banking platform, checks, and a Visa debit card.

This account is probably best for people who tend to keep smaller balances in their checking accounts, since the account won’t earn any interest. On the bright side, there are no monthly fees or requirements to worry about either.

How to get Ent Credit Union’s Free Checking account

If you fit within Ent Credit Union’s field of membership, you can easily open an account online or by visiting a local branch. You’ll need to provide details like your name, Social Security number, and contact information. Ent Credit Union may check your credit as a part of the account opening process. If approved, you’ll need to deposit at least $5 in a savings or money market account to establish your membership.

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How Ent Credit Union’s checking accounts compare

Interest rate-wise, Ent Credit Union doesn’t offer anything great. The rates are poor, though just a wee bit better than many big-name banks. If you’re looking for a higher-yielding checking account, try one of these online checking accounts.

Ent Credit Union’s fee structure is also a bit hit-and-miss. Only one account has a monthly fee. It’s a reasonable $5, although it’d still be better at $0. You’ll also face a $10 “account closure” fee if you close the account within the first 90 days, and a $5 monthly “inactive account maintenance” fee if you go more than a year without making any transactions.

The overdraft fees on this account are a bit of a downer as well. You’ll pay $25 per overdraft, with no limits on how many times the credit union can charge you. Typically, banks will limit your overdraft fees to just a handful of charges per day, but at Ent Credit Union, it’s theoretically possible that you could go on a spending spree bender and rack up several hundred dollars in overdraft fees in just one day. Just keep this in mind should you ever have a low balance with this account.

Ent Credit Union’s savings account option

Savings

Ent Credit Union offers one savings account, and this is it.
APYMinimum Balance to Earn APY
0.10%
$5
  • Minimum opening deposit: $5
  • Minimum balance to earn APY: $5
  • Monthly account maintenance fee: None
  • ATM fee: $1.50 for using an out-of-network ATM, plus any surcharge fees from the ATM’s owner. If you use your card abroad, you’ll also pay a 1% foreign transaction fee.
  • ATM fee refunds: None
  • Overdraft fee: $25 per item, but only if you overdraw your account by $10 or more. If you link up another account for overdraft protection, transfers are free

Aside from Ent Credit Union’s IRA Savings account (reviewed below) and its Health Savings account, this is the only other true “savings” account that’s offered. It’s also one option for holding the $5 minimum deposit that establishes and maintains your membership in Ent Credit Union (alternatively, you can keep that minimum $5 share in a money market account).

This account doesn’t have any frills or special features associated with it. You put your money in, and it earns a small amount of interest — enough said.

This is one handy account you can use as a backup linked account for overdraft protection on your checking account, although any account will do, really. Keep in mind that you’re limited to just six withdrawals out of the account per month due to Federal Reserve Regulation D guidelines. Still, Ent Credit Union loan payments, and in-person, by-mail, and ATM withdrawals don’t count toward this limit. If you exceed the withdrawal limit, you’ll pay a $10 “excessive transfers fee” for that month.

How to get Ent Credit Union’s Savings account

You can open this account online, over the phone, or in person. Ent Credit Union may check your credit report as a part of this process, so you’ll need to provide your name, Social Security number and contact details.

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How Ent Credit Union’s savings account compares

Ent Credit Union’s savings account isn’t anything to write home about. This savings account earns a higher interest rate than its checking accounts (as it should), but that’s not really saying a whole lot when the rates of both types of accounts are so low.

Instead, if you’re interested in earning the highest returns possible on your savings account money, we’d recommend one of these top online savings accounts instead. The rates being offered on these accounts are up to 22 times higher than the rates being offered on this account.

Ent Credit Union’s CD rates

Certificates

These CD rates aren’t bad, but you can still find tons of better options elsewhere.
TermAPY
3-5 months0.54%
6-11 months0.58%
12 months0.60%
13-17 months0.60%
18-23 months0.72%
24-29 months0.76%
30-35 months0.80%
36-41 months0.88%
42-47 months0.92%
48-53 months0.95%
54-59 months0.99%
60 months1.03%
84 months1.14%
  • Minimum opening deposit: $500
  • Minimum balance amount to earn APY: $500
  • Early withdrawal penalty: This depends on your CD’s term length:
    • For CDs 1 year or less, you’ll pay 90 days’ worth of dividends
    • For CDs over 1 year up to 7 years, you’ll pay 180 days’ worth of dividends
    • For the 84 month CD, you’ll pay 365 days’ worth of dividends

Ent Credit Union has a lot of options for CD term lengths, including one ultra-long, 84-month CD term (that’s seven years, if you don’t happen to have a calculator handy). These CDs are also nice because the minimum opening deposit is a mere $500, which is relatively low by CD standards. Many banks require $1,000 or more before you can open a CD.

You can also withdraw the interest earned on these accounts at any time without paying any penalties. Be warned if you do, however, because that may reduce the actual APY you earn from these CDs, since Ent Credit Union assumes you’ll allow the interest to compound over time when calculating the APY.

Like most CDs, when these mature, they’ll automatically renew for another term of the same length. You can withdraw the funds penalty-free during a short, six-day grace period by providing specific written notice to the credit union specifying where to deposit the funds instead.

How to get Ent Credit Union’s CDs

You have three options for opening a CD at Ent Credit Union. You can do it online, over the phone, or in person. If you’re not already a member of the credit union, you’ll need to join first by completing an application and funding a savings or money market account with at least $5.

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Priority Certificates

Once per term, this CD allows you to make a penalty-free partial withdrawal, add more funds, and/or boost your rate.
TermAPY
24-29 months0.66%
30-35 months0.70%
36 months0.78%
  • Minimum opening deposit: $5,000
  • Minimum balance amount to earn APY: $5,000
  • Early withdrawal penalty: 180 days’ worth of dividends

This CD has a few downsides. First, it offers a slightly lower interest rate than the others. Second, you’ll need deep pockets to open these CDs — at least $5,000, to be exact. Third, there are only three options for term lengths, ranging from 24 months to 36 months.

But, this CD is unique because it also comes with several advantages. Once per term, you can choose from each of these three options:

  • Boost your interest rate if it increases after you open the CD
  • Add more money to the CD (at least $1,000 worth)
  • Withdraw up to half of the CD’s balance (keep at least $5,000 in the account, though, or it’ll be closed)

When this CD matures, it’ll automatically renew for another Priority Certificate, rather than a regular Certificate. Ent Credit Union allows you a six-day grace period after each renewal in case you decide you want to withdraw the money at that point.

How to get Ent Credit Union’s Priority Certificates

You can open a Priority Certificate online, in person, or over the phone if you’re already a member of Ent Credit Union. If you’re not yet a member, you’ll need to go through the application process first, which you can also do online or at a branch. You’ll need to provide your name, Social Security number and contact information. If approved, you’ll need to establish membership in the credit union by depositing at least $5 in a savings or money market account as well.

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My Savings Starter Certificate

This unique CD lets you build up your savings over six to 12 months at a higher interest rate than with Ent Credit Union’s savings account.
TermAPY
6-12 months0.34%
  • Minimum opening deposit: $25
  • Minimum balance amount to earn APY: $25
  • Early withdrawal penalty: All dividends earned

This account is a great alternative to Ent Credit Union’s low-yielding savings and money market accounts because you can make additional deposits to it at any time. That’s super handy if you know you’ll be coming across money periodically (like in your regular paycheck) and can commit to not using it right away.

Although you can make deposits of any amount at any time, you can’t make withdrawals until once the account has matured. If you make even a single withdrawal, that will trigger the closing of the entire account, and you’ll lose all of the interest you’ve earned.

When the account does mature, it will automatically renew for another term length for this same CD type until you notify Ent Credit Union that you’d like the funds to be deposited into another account upon maturity. When that happens, it’ll comply with your order, and your CD money will become available to you again.

How to get Ent Credit Union’s My Savings Starter Certificates

You’ll first need to apply for membership at the credit union by filling out an online application, applying over the phone, or applying in a local branch. You’ll need to provide your name, Social Security number and contact information. Ent Credit Union may do a credit check on you, and you may also be required to answer some security questions as well. If approved, you’ll need to deposit at least $5 in a savings or money market account to cement your membership. After that, you can open one of these CDs.

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My Savings Builder Certificate

This CD requires monthly deposits and will keep renewing until you have $1,000 saved.
TermAPY
6 months0.90%
  • Minimum opening deposit: $25
  • Minimum balance amount to earn APY: $25
  • Early withdrawal penalty: 90 days’ worth of dividends

Another option for folks looking to get started saving with CDs is Ent Credit Union’s My Savings Builder Certificate. This one also requires a small, $25 initial deposit. You can also make additional deposits at any time, but you’ll also need to sign up for monthly automatic transfers from one of your other Ent Credit Union accounts (at least $5 per month).

This CD is designed to allow you to save up at least $1,000, and it’ll keep automatically renewing every six months until you hit this level. Once you reach $1,000, the CD will automatically switch over to a regular 6 month certificate in the following month, even if you’re in the middle of a six-month cycle.

You’re allowed to withdraw dividends from this account penalty-free (you might earn less than the stated APY, however), but you can’t withdraw any principal (money you’ve put in) outside of the grace period without paying an early withdrawal penalty. If you need to remove the cash and can wait, you’ll get a short six-day grace period after each automatic renewal where you can withdraw the money penalty-free.

How to get Ent Credit Union’s My Savings Builder Certificates

If you’re already a member of Ent Credit Union, signing up for one of these My Savings Builder Certificates is as easy as logging into your account online, calling up the service center, or visiting a branch. If you’re not yet a member, you’ll first need to verify that you are indeed eligible for membership, and then apply. You’ll need to deposit at least $5 in a savings or money market account to establish your membership.

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Youth Certificate

This special certificate for people under age 18 pays a higher interest rate than Ent Credit Union’s regular 12-month certificate.
TermAPY
12 months2.50%
  • Minimum opening deposit: $500
  • Minimum balance amount to earn APY: $500
  • Early withdrawal penalty: 90 days’ worth of dividends

Not a lot of credit unions offer special certificates for kids and teens under age 18, which is what makes this CD so special. Unfortunately, it’ll still be a tall task for many youths to save up the minimum required amount to open one of these CDs — at least $500. If they’re able to swing it, though, they’ll earn slightly higher rates for these CDs than on the regular 12 month Certificates.

Other than that, this certificate works just about the same as Ent Credit Union’s regular Certificates. Account holders can withdraw dividends at any time without penalty (as long as they’re OK with earning a slightly lower interest rate, that is), and the CDs will automatically renew every 12 months. If that renewal happens after you turn 18, then the CD will be renewed for a regular Certificate instead, rather than another Youth Certificate.

After each renewal, you get a brief, six-day grace period if you decide you want to withdraw the money without having to pay any early withdrawal penalties.

How to get Ent Credit Union’s Youth Certificates

Ent Credit Union requires a parent or guardian to be a joint account holder on any minor accounts. This means that both you and your child will need to be members of Ent Credit Union to open this account. If you are a member, you can apply for this certificate at any local branch, online, or over the phone.

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How Ent Credit Union’s CD rates compare

What really strikes us about Ent Credit Union’s CDs is the diversity of products offered. Most credit unions and banks just have one product — usually called something apt, like “CD” — whereas Ent Credit Union offers a five different types of CD accounts. That’s really handy for helping people who normally wouldn’t be able to take advantage of the higher interest rates that CDs offer.

On the flipside, it appears that you pay for this increase product diversity with lower interest rates. Let’s be clear: they’re definitely not bad interest rates, but they’re not the best. If you really need one of Ent Credit Union’s specialized CDs, like the My Savings Builder Certificate, this may be one of the few places you can find it. But if you can afford the minimum deposit requirements at other banks and credit unions offering higher-yielding CDs, we’d definitely suggest taking them up on the offer instead.

Ent Credit Union’s money market account option

Money Market Savings

This account pays interest on all balance levels, but pays significantly more once you reach balances above $25,000.
APYMinimum Balance to Earn APY
0.20%
$0.1-$2,499.99
0.30%
$2,500-$9,999.99
0.30%
$10,000-$24,999.99
0.30%
$25,000-$49,999.99
0.30%
$50,000-$99,999.99
0.40%
$100,000-$249,999.99
0.50%
Over $250,000
  • Minimum opening deposit: $2,500
  • Minimum balance to earn APY: $0.01
  • Monthly account maintenance fee: None
  • ATM fee: $1.50 for using an out-of-network ATM, plus any surcharge fees from the ATM’s owner. If you use your card abroad, you’ll also pay a 1% foreign transaction fee.
  • ATM fee refunds: None
  • Overdraft fee: $25 per item, but only if you overdraw your account by $10 or more. If you link up another account for overdraft protection, transfers are free.

Ent Credit Union’s savings account offers a pretty awful rate. You can earn more by depositing your savings in a CD, but what if you need it in an emergency and it’s locked away? This money market account may be a better option to hold your readily accessible savings at this credit union, because this account offers interest rates that can be drastically higher than the regular savings account.

To open this account, you’ll need a steep deposit of at least $2,500. Once it’s open, however, there are no balance requirements and no monthly fees, so you can feel free to drop the balance back down again as low as you want without facing any penalties.

Like all savings and money market accounts covered by Federal Reserve Regulation D, you are only allowed to make six withdrawals out of the account per month. A few types of withdrawals don’t count toward this limit, such as withdrawals made in-person at a branch, ATM withdrawals, withdrawals made to pay a credit union loan, or withdrawal requests made by mail. If you exceed these limits, Ent Credit Union will charge you a $10 fee, but only once per month.

How to get Ent Credit Union’s Money Market Savings account

This is one of the two accounts you can use to establish your membership in Ent Credit Union (the other account is its savings account). While you only need to maintain a $5 balance, this account requires at least $2,500 as a minimum opening deposit.

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How Ent Credit Union’s money market account compares

To be sure, the interest rates offered on Ent Credit Union’s money market account are higher than on its savings account. That’s not really saying a whole lot, though, since the savings account rate is so low.

This money market account actually does offer a really good interest rate on its highest tier, above $250,000. We don’t recommend going above this threshold, however, since that’s the limit of FDIC insurance. If the credit union were ever to go under (thankfully, rare, but it does happen), you could lose that money.

Instead, if you’ve still got an eye out for a higher-yielding account, we recommend one of these money market accounts instead. They’ll earn even higher rates, and with smaller balance requirements.

Ent Credit Union’s IRA options

IRA Certificate rates

These IRA Certificates are identical to the regular Certificates, except opened up within an IRA.
TermAPY
3-5 months0.54%
6-11 months0.58%
12 months0.60%
13-17 months0.60%
18-23 months0.72%
24-29 months0.76%
30-35 months0.80%
36-41 months0.88%
42-47 months0.92%
48-53 months0.95%
54-59 months0.99%
60 months1.03%
84 months1.14%
  • Minimum opening deposit: $500
  • Minimum balance amount to earn APY: $500
  • Early withdrawal penalty: This depends on your CD’s term length:
    • For CDs one year or less, you’ll pay 90 days’ worth of dividends
    • For CDs over 1 year up to 7 years, you’ll pay 180 days’ worth of dividends
    • For the 84 month CD, you’ll pay 365 days’ worth of dividends

IRA CDs are an excellent way to grow your retirement savings if you’re not in a spot where risky stock market investments fit into your plan. Ent Credit Union offers these IRA Certificates that you can open as either a Traditional IRA or a Roth IRA.

These IRA Certificates have all the same policies of the credit union’s regular Certificates. You can’t make early withdrawals of principal without paying a penalty. If you’re over age 70½, however, you are allowed to make withdrawals at any time penalty-free, since you’ll then be using that money in retirement (we hope).

Each time one of these CDs matures, it’ll automatically be renewed for another term. If you want to withdraw the money to use or transfer to another investment vehicle, you’ll get only a six-day grace period after each renewal to withdraw the money penalty-free.

How to get Ent Credit Union’s IRA Certificates

There are three different ways to open one of these IRA Certificates: online, over the phone, or at a local Ent Credit Union branch. You’ll need to already be or apply to be a member of the credit union to open an IRA Certificate.

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IRA Priority Certificate

These certificates are probably a bit better for more hands-on management of an IRA.
TermAPY
24-29 months0.66%
30-35 months0.70%
36 months0.78%
  • Minimum opening deposit: $5,000
  • Minimum balance amount to earn APY: $5,000
  • Early withdrawal penalty: 180 days’ worth of dividends

When you think of IRA certificates, you typically think of a hands-off approach and just letting each one auto-renew until you need the money in retirement. These specific IRA Certificates (which you can also open as a Traditional or Roth IRA) are a bit more hands-on, however.

Right off the bat, you might notice that the interest rates offered on these IRA Priority Certificates are a bit lower than the normal IRA Certificates. They come with added options, however. Once per term, you can: add more money (at least $1,000); withdraw up to 50 percent of the balance penalty-free (as long as at least $5,000 remains on deposit), and/or bump up the interest rate if the rates on these IRA CDs rise.

Again, these CDs also will automatically renew once they mature, with a six-day grace period after each renewal, where you can withdraw the money penalty-free.

How to get Ent Credit Union’s IRA Priority Certificates

If you’re not already a member of Ent Credit Union, you’ll first need to apply. This can be done online or by visiting a local branch. You’ll need to provide some details like your Social Security number, and be able to answer some identifying questions. Ent Credit Union may also check your credit. If approved, you’ll need to deposit at least $5 in a savings or money market account before you can open one of these IRA Priority Certificates.

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How Ent Credit Union’s IRA CD rates compare

We can only really see two reasons why you’d want to open an IRA CD at Ent Credit Union. Either you really need the features of the IRA Priority Certificate for some reason, or maybe you just want to simplify things and keep all of your accounts at the same credit union.

Otherwise, you can earn much better rates at other banks and credit unions, like these IRA CD options. Because most people’s retirement accounts are dramatically underfunded, it would be well worth your time to consider one of these IRA CDs instead so you can maximize your retirement savings.

IRA Savings

This account allows you to start out your retirement savings, but don’t expect to get rich off of it.
APYMinimum Balance to Earn APY
0.15%
$0.1-$499.99
0.20%
$500-$2,499.99
0.30%
$2,500-$9,999.99
0.30%
$10,000-$24,999.99
0.30%
Over $25,000
  • Minimum opening deposit: $5
  • Minimum balance to earn APY: $0.01
  • Monthly account maintenance fee: None
  • Overdraft fee: $25 per item, but only if you overdraw your account by $10 or more. If you link up another account for overdraft protection, transfers are free.

If you’re just looking for an easy way to get your retirement savings started at Ent Credit Union, this IRA Savings account might work best for you. All it takes is a $5 opening deposit, and there are no fees or balance requirements beyond that. Interest on this account will be tallied up each month and deposited into the account at the end of the month.

This account does not come with ATM access. If and when you want to transfer the money over to a higher-yielding investment (something we’d recommend sooner rather than later, given the paltry interest rate), you’ll need to do so via electronic means.

How to get Ent Credit Union’s IRA Savings account

You can apply for this account online, over the phone, or by visiting your local Ent Credit Union branch, if you happen to live near one. Only credit union members can open this account, so you’ll first need to go through the application process if you’re not yet a member.

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Overall review of Ent Credit Union’s banking products

Ent Credit Union is a bit different from most other financial institutions, most of which offer a wide range of savings and money market accounts, and just one CD product. At Ent Credit Union, you only get a choice of one savings or money market account, and a broad roster of five different CD products.

That’s handy if you don’t need your money for a long time. But because CDs are geared more toward people with plenty of cash reserves, we don’t necessarily rank this credit union as newbie-friendly as some others. It’s not a bad credit union; it’s just different.

We’re also pretty underwhelmed by Ent Credit Union’s rates. Some accounts, like its savings account and interest-bearing checking account, offer very poor rates. Other products, like its CDs, offer just okay rates.

If you like the local banking experience and just happen to live near a branch, Ent Credit Union might be a good credit union for you. But if earning the most returns on your deposit are what concerns you, we’d recommend skipping this credit union.

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