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A regional derby: Colorado's largest credit union against the Mountain West's fastest. Their footprints barely overlap (Ent is Colorado; MACU's six states do not include it), so for most drivers geography decides. For the movers and edge cases, the numbers below do.
| Side by side | Ent Credit Union4.6 | Mountain America Credit Union4.7 |
|---|---|---|
| Our rating | 4.6 | 4.7 |
| Est. APR, excellent credit | 5.39% | 4.99% |
| Est. APR, good credit | 7.89% | 7.49% |
| Est. APR, fair credit | 13.24% | 12.74% |
| Min credit score | About 580 | About 560 |
| Loan amounts | $5,000 to $100,000 | $5,000 to $150,000 |
| Max vehicle age / mileage | 10 yrs / 150,000 mi | 11 yrs / 150,000 mi |
| Terms | 36 to 84 months | 36 to 84 months |
| Typical funding | 2-5 days | 1-3 days |
| Cash-out refinance | Yes | Yes |
| Lease buyout | No | Yes |
| Co-signer removal | No | No |
| Availability | CO only | UT, AZ, ID, MT, NV, NM only |
Figures are representative estimates from lender guidelines, not offers. Highlighted cells mark the stronger typical value; your matched offers decide the real winner.
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Edge: Mountain America Credit UnionMACU's published 4.99% floor (with checking discount) leads Ent's estimated 5.39%.
Speed
Edge: Mountain America Credit UnionMACU again: 1 to 3 days typical against Ent's 2 to 5.
Local service
Edge: Ent Credit UnionIn Colorado, Ent's branch network and local underwriting are the home-field advantage MACU cannot match.
Vehicles
Edge: Mountain America Credit UnionMACU's RV, boat, and motorcycle coverage against Ent's cars and trucks.
Choose Ent Credit Union if
- You live in Colorado
- You want branches you can walk into
- You value local underwriting
Choose Mountain America Credit Union if
- You are in MACU's six-state footprint
- Speed or an unusual vehicle drives the decision
- You want the published 4.99% floor
Colorado drivers take Ent, Mountain West drivers take MACU, and the match enforces the geography automatically. Where you genuinely have both (say, a recent move), MACU's floor and funding speed give it the edge on paper.
Frequently asked questions
Does Mountain America lend in Colorado?
MACU's footprint covers UT, AZ, ID, MT, NV, and NM. Colorado drivers route to Ent and the nationwide lenders instead.
Is Ent competitive on rate?
Estimated APRs from about 5.39% with member discounts keep it close, and local service closes much of the remaining gap for Colorado borrowers.