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What's New – March 2010
On This Page
 Simply open an Ent Visa® Signature® Rewards Card and receive a $50 bonus!
Help support our community by participating in the 2010 Census.
Open an Ent Business Checking Account by March 31, 2010 and receive $50
Today, retirement planning is more critical than ever.
Falcon Service Center - relocating in early 2010!
Use Ent's IRA Service Center to Help You Make Informed Decisions.
Online Banking Upgrade. Look for more information to come in 2010!
Have you reviewed your contact information on file with us lately?
Home Buyer Tax Credits
Don't let your personal financial information fall into the wrong hands.
Credit Problems? How Ent can help...
(Updated 2/2/10) An Update From Our CEO, Charles Emmer
Simply open an Ent Visa Signature Rewards Card and receive a $50 bonus!
For a limited time when you open a new Visa Signature Rewards Card, you’ll enjoy a $50 bonus. Plus, you’ll continue to receive 1 reward point for each $1 spent. Points can be redeemed for a variety of fabulous rewards.
Here’s how to start enjoying rewards:
- Apply from March 1 - April 30, 2010
- Receive 5,000 bonus points! That’s 2,500 more points upon first purchase. The first purchase must be made within 90 days.
- Redeem these points for a $50 statement credit or other fabulous rewards!
Apply today to take advantage of this limited time offer! Apply online, by phone at (719) 574-1100 or 800-525-9623, or in person
at any Ent Service Center!
Cardmember will receive a bonus of 2,500 points upon first purchase, which is in addition to the standard 2,500 points awarded upon first purchase, for a total of 5,000 initial points. In order to qualify, the first purchase must be made within 90 days of the account opening, the account must be opened between 3/1/10 and 4/30/10, and the account must be open and in good standing (not over limit or past due) at the time the bonus is to be awarded. Cardmembers can redeem points online (through the Reward Center) or by calling Cardmember Service at 1-888-229-8864. The creditor, issuer and service provider is Elan Financial Services.
Help support our community by participating in the 2010 Census.
 At Ent, we care about our community and those who live in it,
which is why we're asking for your support. By accurately completing your 2010 Census questionnaire, you'll have a direct impact on the resources our community receives, including funding
for hospitals, job training centers, schools, senior centers, bridges, tunnels, emergency services and more. This survey is not only important but it’s easy and safe, too. With only 10 questions, the 2010 Census questionnaire takes approximately
10 minutes to complete. The questionnaire collects key demographic information, including: whether a housing unit is rented or owned, the address of the residence, and the names, genders, ages and races of others living in the household.
You will NOT be asked to provide sensitive information such as your bank account information, salary or income, citizenship or immigration status, or Social Security number. Plus, you’ll never have to worry about the safety of
your information. By law, the Census Bureau cannot share an individual’s responses with anyone - including other federal agencies and law enforcement agencies.
To learn more about this important questionnaire, visit www.2010census.gov  .
Open an Ent Business Checking Account by March 31, 2010 and receive $50.
Enjoy Business Banking Solutions tailored to your company. Plus, the responsiveness of local decisionmaking and $50* when you open an Ent Business Checking account.
Choose Free Business Checking, Business Dividend Checking, or Business Analysis Checking with Ent, and you’ll receive:
- a free Ent Business Visa® Check Card
- a free order of business checks**
- free deposit slips
- a free endorsement stamp
- free Business Online Banking with Bill Pay, Check Images, Email Alerts and eStatements.
LIMITED TIME OFFER! Receive $50 by opening an Ent Business Checking Account by March 31, 2010. Open an account in person or by phone at (719) 574-1100 ext. 6770 or 800-525-9623 ext. 6770.
*Standard credit qualifications apply. This offer is available to new business accounts with checking opened by March 31, 2010, with an opening deposit of $100. This offer is limited
to one per account. The $50 is subject to tax reporting and will be deposited into the new Business savings account within 15 days of account opening.
**Complimentary first order of business checks is a business check value pack, or a $35 credit toward another business check purchase.
Today, retirement planning is more critical than ever.
As you re-evaluate your investments and your investment strategy, turn to the professionals at Ent Investment Services* to consistently deliver the tailored solutions you can depend on.
With years of experience and the financial tools you need, our investment representatives, registered through CUSO Financial Services, L.P. (CFS), have been hand-selected to provide you with exceptional service, proven performance, and the personal attention you deserve.
No matter what your personalized retirement plan calls for, IRA options, stocks, bonds, mutual funds, annuities, or customized allocations, your representative at Ent Investment Services has the ability to provide the guidance you need with the member-first focus you trust.
For a FREE, no-obligation Ent investment services consultation, call (719) 574-1100 ext 6550 or 800-525-9623 ext 6550.
*Our investing and financial services are provided by representatives who are registered through our broker/dealer, CUSO Financial Services, L.P. (CFS). Investment products and services offered
through CFS are not NCUA/NCUSIF-insured, not guaranteed or obligations of the credit union, and may lose value. Ent is affiliated with CFS (Member FINRA/SIPC). Registered representatives are employees of Ent and registered through CFS.
Ent’s new Falcon Service Center is now open!
This new, larger facility will provide more services to meet your needs. Added conveniences include:
- Biometric self-service safe boxes
- Two drive-up lanes
- A 24-hour drive-up ATM
- State-of-the-art coin counter
- Instant issue Debit Card capabilities
- And, access to Business Banking, Mortgage Lending, and Investment Services representatives
Stop in and visit the Falcon staff at the new Falcon Service Center, located at 7520 Bierstadt Heights in Peyton, CO on the corner of Woodmen and McLaughlin Roads.
We’ll celebrate the official grand opening of our new Falcon location on Saturday, April 24, from 9 am - noon with free food, entertainment and fun activities for the whole family. Check back with Ent.com in April for more details!
Use Ent's IRA Service Center to Help You Make Informed Decisions.
Are you wondering what type of IRA best fits your retirement plans? Ent's IRA Service Center can walk you through this important process. Find out the differences between
Traditional and Roth IRAs and the different tax benefits they offer. Keep up with important contribution deadlines and amounts to help you reach your goals.
Making an IRA contribution this year? Through the IRA Service Center you can also service an existing IRA, request the proper forms to start the IRA opening process or find out more about Coverdell Education Savings Accounts.
Online Banking Upgrade. Look for more information to come in 2010!
To make banking even easier for Ent members, we will be upgrading our online banking system in 2010 to provide you with expanded services and more features.
Look for more information to come in 2010!
Have you reviewed your mail, email and phone contact information on file with us lately?
Please take a moment to log on to Online Banking and verify your personal contact information including your mailing address, email address and phone number, and to make sure you have set up a call center password (used when you
contact an Ent call center representative) on your account. You can review this information using the Change Address and Call Center Password functions on the Services menu within Online Banking. Thank you for your help reviewing and updating
your contact information, helping us better serve you.
Home Buyer Tax Credits: For Existing Home Owners and First-Time Home Buyers, available through April, 2010.
Up to $8,000 Tax Credit for First Time Home Buyers – Extended until April 2010
If you are one of the many people who want to buy a home but just can't close prior to December 1, 2009, then you are in luck! The Economic Stimulus Plan of 2009's
First-Time Home Buyer Tax Credit has been extended to allow home buyers to enter an agreement with a seller by April 30, 2010 and close on the house by June 30, 2010.
The value of the First Time Home Buyer Tax Credit is the lower of $8,000 or 10% of the value of the home.
Up to $6,500 Tax Credit for Existing Home Owners – Thru April 2010
Along with the extension of the First Time Home Buyer's tax credit, a new tax credit has been created for purchases of a new principal residence by people who have lived in their current principal residences for at least five out of the last eight
years. Existing home owners purchasing new primary residences are eligible for a tax credit of up to $6,500.
For both of these home buyer tax credits, the income range for eligible purchasers has been expanded. These tax credits begin to phase out when the modified adjusted gross income of purchasers exceeds $125,000 for single filers and $225,000 for joint
filers. Remember, you should always consult your tax advisor for information relating to your specific circumstances.
These tax credits are applicable to any home that will be used as a principle residence. Based on that guideline, qualifying homes include single family detached homes, as well as attached homes such as townhomes and condominiums. In addition, manufactured
homes also qualify.
For more information about our First-Time Home Buyers program or Ent’s other mortgage products and services, contact Ent Mortgage Lending at (719) 574-1100 x 5602 or toll-free at 800-525-9623 x 5602.
Don't let your personal financial information fall into the wrong hands.
The security of your personal and financial information is a top priority to Ent. We want you to know that Ent will never ask you to verify your account number, Social Security Number, debit or credit card number, PIN or any other sensitive
financial information via email, telephone or SMS text message. Don’t fall for common scams, click here to learn how you can detect and prevent them!
Credit Problems?
Are you having trouble making your Ent mortgage or vehicle loan payments?
We understand that in today's economic environment more members than ever before are facing loan payment issues. Whether you're thinking you may start falling behind, or you're already behind, contact an Ent Member Solutions Specialist today via
email or by phone at 800-525-9623 x. 5610 for assistance with: protecting your credit, making payment arrangements, and potentially avoiding foreclosure and/or repossession.
(Updated 2/2/10) - From our CEO, Charles Emmer:
To all Ent Members:
Looking back on 2009, I am tempted to breathe a sigh of relief. The past year was among the most challenging in recent history for our communities, our state, and the national economy. The continuing stagnation in economic growth and lack of job growth contributed to restrained consumer confidence.
One outcome of this economic recession has been a change in financial activities of Ent members. For example, while Ent added more than 3,600 new members in 2009 (less than 2.0% growth) our deposits increased by more than $263-million (11.9%). The national statistics report that individual saving is up over recent years; Ent members are a case in point.
On the other hand, our lending portfolio is smaller, in part because members are not borrowing at the rate they have in the past. In 2009, we had significant activity in our mortgage loan department, much of it refinancing because of low mortgage loan interest rates. At the same time, however, we have had many members follow the national pattern and begin to pay down debt, including their home equity and auto loans with the credit union.
In the past I have emphasized Ent’s conservative operating philosophy. I can report that maintaining that approach has helped us stay financially strong despite the economic challenges. Member deposits and loan payments contribute to our strength. We always work closely with members, first, during the loan application process to avoid making financially unsound loans and, second, if members are in financial difficulties to help them continue to pay on their loans. As a result, we have a healthier loan portfolio than many of our counterpart credit unions.
I want to thank our members for your continuing trust in and reliance on Ent to meet your financial service needs. I must also thank our employees who are dedicated to providing you only the best in member service. Our most recent member opinion survey reinforced how you value the credit union, giving our staff high marks for knowledge and service that exceeds your expectations. We come to work every day committed to meeting your financial service needs with the best financial products and highest quality service.
We will be challenged again in 2010 to exceed your expectations. Many of the economic conditions – joblessness, lack of consumer confidence, declining real estate values, and others – of 2008-09 will continue in the year ahead. We have set what we believe are reasonable performance goals, centered on addressing current and emerging member service needs. You will be hearing from us in the months ahead with new ideas and service improvements.
So that “sigh of relief” was a short one. We are focused on continuing our core mission and extend to each of you our best wishes for a healthy and prosperous 2010.
Sincerely,
Charles F. Emmer
President and CEO
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