Ent Credit Union CD Rates (September 2026): Now Wings Credit Union

If you are curious about Certificates of Deposit, or CDs, Ent Federal Credit Union CD rates offer a low-risk investment option with fixed returns. A CD is a savings account that typically offers a higher fixed interest rate than a traditional one. With a CD, you deposit your money into an account for an agreed-upon period. In turn, your bank or credit union pays you a fixed interest rate.

Ent Credit Union's CD products have a competitive rate of return and annual percentage yields ideal for both short-term and long-term savers. CD rates at Ent Federal Credit Union can help you save for the future, organize your finances, and make your money work smarter.

Two effects of the merger are worth planning around. Colorado members are limited to Colorado service centers until the branch networks combine. And if you hold accounts at both legacy Ent and legacy Wings Financial, from June 30, 2026 they count as one account for NCUA share insurance, capped at $250,000 combined rather than $250,000 each. If you are laddering large certificates across both, check the total before you open the next one.

Key Features of Ent Federal Credit Union CD Accounts

Ent Federal Credit Union's CD accounts offer flexible terms, "epic rates," and future earnings. The credit union also offers several types of CDs for its members.

Types of CD Accounts Offered

You can take advantage of three different CD options:

1. Short-term CD: With a competitive annual percentage yield (APY), this option allows you to access your money in just a few months, with terms of 3 to 5 months and 6 to 11 months. The minimum deposit is $500.
2. Flex CD: With the flexibility to save on your terms and your schedule, this CD has a term of 24 to 36 months and a minimum required deposit of $1,000. It also has the option of making a one-time withdrawal of up to 50% of the balance and a one-time deposit of $1,000 or more in the first 12 months of the CD's term.
3. Long-term CD: With a term of 12 to 84 months, this option provides peace of mind during market fluctuations with its locked-in rate. The minimum deposit is $500.

Ent Federal Credit Union also offers a quiz to help you identify the best CD account for your financial needs and a chart of current CD rates.

Ent Certificate Rates by Term (September 2026)

These are the dividend yields Ent posts on its own rate schedule. A certificate is fixed for its full term, so the APY you open at is the APY you keep.

Read the curve, not the headline. The top yield belongs to My Savings Builder, but it opens with $25 and caps at a $1,000 deposit, so it is a starter product rather than somewhere to park a lump sum. Among the standard certificates the 17-month special is the anomaly worth catching at 4.10% APY: it beats every standard term under four years outright and ties the 48 to 53 month band, so a shorter commitment costs you nothing here.

Are There Senior CD Rates at Ent?

No. Ent does not publish a senior certificate or an age-based APY bump, and the only age-tiered product on the rate schedule is the Youth Certificate. The best yields go to the 17-month special and the longest terms, not to any age group. If you are building a retirement-income ladder here, term structure is the lever that matters: the 84-month certificate carries the top standard rate at 4.25% APY, with the 48 to 60 month band close behind at 4.10% to 4.15%.

Priority Certificates

Ent Federal Credit Union offers priority certificates for its investors. This special type of CD has flexible options, such as one-time withdrawals or deposits.

Limited-Time Certificates

The short-term CD option at Ent Federal Credit Union is what's known as a limited-time certificate. With its notable interest rate, these share certificates are often used to entice new investors and can be a great option if the terms work for your finances.

Benefits of Opening a CD

If you are looking for a safe place to invest your money, certificates of deposit can be a strong vehicle for growing your wealth without the surprises of market fluctuations. The benefits of opening a CD include:

• Higher interest rates compared to traditional savings: If you compare current savings account interest rates to CD rates, you will quickly see that CDs are the winner by a long shot. Naturally, higher interest rates mean that your savings will grow faster.
• Fixed terms for predictable growth: CDs take the guesswork out of investing by offering fixed rates for guaranteed returns. If you appreciate predictable growth, a CD can be a great option.
• Emergency access and penalties: While there may be early withdrawal penalties, CDs provide emergency access if you ever need your funds in a hurry.

Certificates of deposit offered by credit unions are also insured up to $250,000 by the National Credit Union Administration (NCUA). When shopping around for a CD, it is wise to start by looking at the term length, interest rate, and any potential penalties for early withdrawal. That way, you know exactly what to expect and can plan ahead.

Minimum Deposit Requirements

Depending on the type of CD, minimum deposit requirements will vary.

Standard Minimum Deposits

Standard minimum deposits for a certificate of deposit are typically in the $500 to $2,500 range but can be higher or lower. At Ent Federal Credit Union, the minimum deposit for a CD starts at $500.

Special Offers and Promotions

You can also find a variety of special offers and promotions for CD accounts, usually designed to attract new customers or to encourage current investors to increase their investment limits. Promotional CD offers will often feature higher interest rates if you are willing and able to improve your initial deposit for a specified period of time. As with any investment, make sure special offers or promos make sense regarding your overall budget.

Account Availability and Accessibility

Ent Federal Credit Union was established in 1957 to serve the former Ent Air Force Base in Colorado Springs and has expanded to become Colorado's largest credit union, with more than 500,000 members and more than 50 service centers and online options. This means Colorado residents have a variety of options for connecting with the credit union, both in person and online.

Online and Mobile Banking Options

Ent Federal Credit Union offers secure online and mobile banking options for its members, including:

• 24/7 access
• Banking services on the go
• Secure login features, including biometric login options

Members can perform online and mobile banking for members from any smartphone or computer.

Local Branch Services

In addition, credit union members can also access Ent Federal Credit Union services at more than 50 locations throughout Colorado. Credit union members must either live or work in the state of Colorado.

If you have questions about credit unions, CDs and other investments, credit cards, or banking services in general, Money Atlas can help you compare financial products and find the services and options that best suit your needs and interests. Visit Money Atlas today to find trusted tools for expert comparisons of banking, loans, credit cards, and investments.

How Ent CDs Compare

Ent's certificates are competitive within Colorado, but online banks routinely match or exceed local credit-union rates without membership requirements. If you aren't Colorado-tied or want to benchmark Ent against nationwide alternatives, comparing the broader CD landscape or pairing a CD with a high-yield savings account can surface stronger options — particularly for shorter terms, lower deposit minimums, and savers without a Colorado common bond.

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Quontic

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Fees

$0 Monthly Fee

$0 Monthly Fee

$0 Monthly Fee

Account Minimum

$0 Minimum Deposit

$1,500 Minimum Deposit

$500 Minimum Deposit

Promotion

N/A

N/A

N/A

APY

4.00% APY

Earn 4.20% APY

Earn 3.75% APY

Frequently Asked Questions

Sources & Last Updated

Information last reviewed September 2026. Certificate APYs pulled from Ent's posted rate schedule on September 10, 2026. Share-insurance coverage details from NCUA share insurance. Ent's federal credit-union charter verified via the NCUA credit-union locator. Comparison baselines reference the FDIC's weekly national rates for CDs and savings accounts. The Wings Credit Union name change is confirmed on Ent's own site. Always confirm posted APYs and terms directly with Ent before opening an account.