ENT is making its way more smoother and convenient to facilitate the owners in terms of investment plans. To get confined with the CD rates terms, You do not need to be a member of ENT to open up a CD with them. However, it would be beneficial as it would make it easier for you to transfer funds back and forth between accounts.

ENT CD Rates Offers

3-5 Month CD

Key Features

  • Rate: 4.50% APY.
  • Terms: 3-5 months


·         Lock in a great rate: Secure a competitive interest rate for a short period.

·         Choose the term: Tailor the CD to match your specific savings goals.

Pros & Cons

High APYShort-term commitment
Quick access to fundsLimited investment period
Flexible term options

12-Month CD

Key Features

  • Rate: Up to 4.33% APY.
  • Terms: 12 months.


  • Longer term and competitive APY allow for higher returns.

Pros & Cons

Competitive APY Moderate APY compared to short-term
Longer commitment than short-term

60-Month CD

Key Features

  • Rate: 3.43 APY.
  • Terms: 60 months.


  • Longer term means it is more of a commitment.
  • Lower APY than some shorter-term options.

Pros & Cons

Longer term with potential for high returnsLower APY

Are ENT CD Rates Competitive?

ENT CD rates are competitive within the current market. The rates offered by ENT for their Certificate of Deposit products are designed to be competitive and attractive to customers seeking a reliable and fixed-income investment option.

After having a precise overview of the CD offers mentioned above, one should regularly compare rates with other financial institutions to ensure competitiveness, as rates can vary over time.

How do ENT CD Rates Compare?

ENT CD rates compare favorably with industry standards. When evaluating ENT CD rates, consider factors such as;

  • The term length
  • Minimum deposit requirements
  • Any additional features offered.

Comparing rates across different financial institutions requires ensuring you are getting the best possible return on your investment. Additionally, the institutions should take note of any unique features or benefits associated with ENT CDs, as these may contribute to the overall value proposition.

Overview ENT CD

ENT was founded in 1957 and has expanded immensely since. They have over 380,000 members between their 35 service centers and continue to give back to their community. They donate to non-profit organizations each year that benefit things like child and family health and well-being, and higher education in the form of scholarships for Colorado-based university and community college scholarships.

In just one year, over $2 million was donated to nonprofits that help improve the lives of community members. The bank also holds annual fundraising campaigns and employees volunteer within the community regularly. Ent has also sponsored the Pediatric Mental Health Institute cycling team for the 31st Children’s Hospital Colorado Courage Classic Virtual Tour.

ENT is committed to helping build the lives of the youth by approving Ent Youth Endowment Services grants to not-for-profit agencies that benefit the youth.

At ENT, their goal is to build long-lasting relationships with their clients as a way to help improve their finances as much as possible. Because clients are also owner-members, they receive higher dividends on savings, decreased rates on loans, and lower or no service fees. It’s safe to say that when you are deciding on a bank for you, ENT should be number one on your list.


You do not need to be a member of ENT in order to open up a CD with them. However, it would be beneficial as it would make it easier for you to transfer funds back and forth between accounts.

Locations ENT 

Branches in Colorado

The branches in Colorado are:

Colorado Springs, Peyton, Fountain, Monument, Schriever Air Force Base, Woodland Park, Denver, Brighton, Aurora, Parker, Firestone, Littleton, Highlands Ranch, Fort Collins, Lone Tree, Castle Rock, Commerce City, and Timnath.

Frequently Asked Questions

How does Certificate Deposit work?

A Certificate of Deposit is a financial product where you deposit a specific amount of money with a bank for a predetermined period, and in return, you receive a fixed interest rate. The funds are locked in for the agreed-upon term, and you earn interest upon maturity. Early withdrawal may result in penalties.

How is the interest on a CD calculated?

The interest on a CD is typically calculated using the Annual Percentage Yield. This takes into account the interest rate and the compounding frequency. The interest is added to the principal periodically, and future interest is calculated on the new total. The higher the APY, the more interest you’ll earn.

Can I access my funds before the CD matures?

Yes, but it depends on the type of CD. Generally, there are penalties for early withdrawal. Short-term CDs often have lower penalties, while long-term CDs may have more substantial penalties. The Flex CD, in particular, offers some flexibility with a one-time withdrawal option and a penalty for early withdrawal.

What is the minimum deposit required for a CD?

The minimum deposit varies based on the type of CD, with numbers generally ranging from $500-$1,000.

How is a CD different from a regular savings account?

Unlike a regular savings account, a CD has a fixed term and a fixed interest rate. While savings accounts offer more liquidity and allow for frequent deposits and withdrawals, CDs require a commitment for a specified period.