Voting will close December 4th.

If you receive paper account statements, you will receive a ballot in the mail from CU Ballot. If you currently receive eStatements from Wings, you will receive your ballot via email from CU Ballot. If we don’t have your email address or if you are a legacy Settlers best member whose account has not converted, you will receive a paper ballot.

You will need to know your Wings ID or election ID, which will be included in the ballot information you are sent. You will also need to know the last four digits of your Social Security Number.

• You can also access the voting portal in digital banking if you are eligible to vote. You will not need to know any information other than your digital banking login.

If you are a legacy Settlers best member whose account has not converted, you will need your election ID, which will be included in the ballot information you are sent.

Primary members that are 18 years or older and had a $5 share savings account as of July 31st, 2025, are eligible to vote.

Wings is a not-for-profit institution, so our members are co-owners. As a co-owner, voting allows members’ voice to be heard in the future of our organization. Since the new credit union will operate under Ent’s existing Colorado charter, only Wings members need to vote. A charter is the license a credit union needs to operate and defines the field of membership.

Not only are Wings and Ent closely aligned in values and culture, we will also have the ability to make an even bigger impact through continued commitment to industry-leading rates, giveback to our communities, in-class money management tools and a dynamically growing branch network. Together, we’ll be able to honor our shared roots in aviation and create even more value for our members, employees and communities.

If you did not receive an electronic or paper ballot, it is likely because you do not meet the criteria to vote, or we did not have a valid mailing or email address on file. To be eligible to vote, primary members need to be 18 years or older and have a $5 share savings account as of July 31^st, 2025.

If you believe you should’ve received a ballot, you may vote online at wingscu.com/vote.

Voting is managed by an independent third-party, CU Ballot, so your voting selection will not be seen by Wings. Wings will only have access to the overall results of the vote.

Ent and Wings have each grown significantly over the last decade. This strategic and intentional growth has positively impacted the communities we serve in Colorado, Minnesota and beyond.

Both organizations focus on our members, employees and communities. Because of that, our goals, values and cultures are compatible. We are excited to be able to do even more together.

This merger makes both of our organizations stronger, which benefits our employees, our members and the communities we serve. Partnering with another established credit union will provide us with the resources to remain competitive and deliver much more to our members – with the same friendly, outstanding, local service we have always provided. Combined, we’ll be able to do more of what we already do today, providing members with better rates, lower and fewer fees, excellent member service and best-in-class technology. It will result in combined assets of nearly $20 billion, making it one of the top 10 credit unions in the country. The merger will also provide the opportunity to participate in larger philanthropic efforts in the communities where we live, work and serve.

Wings is headquartered in Apple Valley, MN and Ent is headquartered in Colorado Springs, CO. We are excited to offer our nearly one million combined members access to nearly 100 locations in Colorado, Florida, Georgia, Michigan, Minnesota and Wisconsin.

• At this time, the member experience will remain the same. We will work through regulatory and other approvals, as well as an integration, for many months. We will communicate with members throughout the process to ensure a smooth transition. Members can visit Wings.CUtogether.com for timelines and updates.
• Members will continue to have access to the same locations and friendly teams. You can continue to expect outstanding digital banking, community support, and products and services.
• Combined, we’ll be an even stronger forward-thinking, competitive credit union.
• This partnership will allow the credit union to better anticipate and meet the financial needs of members in a competitive financial services industry.
• As we go through the regulatory process and learn more about timing, we’ll share news on when members will be able to bank at these new locations.

At this time, your member number and online access will remain the same. There is nothing for you to do at this time. Throughout this process, you will be notified well in advance of any changes and steps you need to take. We will be here to help every step of the way.

As a member of a financial cooperative, how we operate on your behalf matters. Our goal is to provide products, services and benefits that wow you AND stay local to serve you and our communities. Growing via this merger will help us accomplish both!

Direct benefits. We will deliver competitive rates, expanded locations and access to nationwide surcharge-free ATMs, better hours and more!

Community impact. We will do even more to serve your communities. We will continue to focus on your financial wellbeing and understanding how we can provide high-impact, local support.

Scale. As a member of our financial cooperative, you deserve great experiences. This merger will give us the scale and buying power to provide our members with best-in-class service and technologies – while continuing to ensure your financial safety and soundness.

Great employees. Being a larger credit union allows us to maintain a strong team and take care of the people who take care of you!

Yes, your accounts will continue to be federally insured at the same levels. Your funds are insured through the National Credit Union Administration (NCUA) and backed by the full faith and credit of the U.S. Government.

At this time, your accounts and systems will remain the same. Throughout this process you will be notified well in advance of any changes and steps you need to take. We will be here to help every step of the way.

Right now, you can continue to bank as usual. Routing numbers will remain the same. We are committed to make any transition in this process as seamless as possible.

Until the merger is complete, each credit union will be separately insured by the NCUA and your accounts remain insured up to $250,000. We will be working closely with any members who hold memberships at both institutions and will have more than $250,000 in total deposits.

No locations will close as a result of this merger.

For now, hours will remain the same. We plan to keep or even expand our hours and will share more updates here.

We will share information about branch and service center access as part of our overall timeline.

Founded in 1957, Ent, Colorado’s largest credit union, has been consistently ranked as one of Colorado’s best credit unions by many publications, including being named one of the best regional credit unions of 2024 by Newsweek. Ent, a not-for-profit financial, community-chartered credit union is committed to improving members’ financial quality of life with better rates, lower fees and unparalleled products and services. With nearly $10 billion in assets, Ent serves more than 550,000 members at 59 convenient service centers across the Front Range. This year Ent will donate more than $2.9 million in philanthropic giving to nonprofits serving Coloradans. Ent is an Equal Housing Opportunity and Equal Opportunity Lender, insured by the NCUA. To learn more, visit Ent.com.

Both Wings and Ent have roots in aviation. The combined credit union will be called Wings Credit Union which we believe celebrates our histories and the positive opportunities ahead. The concepts of “Wings” and flight also have strong connections to the ideas of upward movement, goals, aspirations and achievement.

As a merger of equals, leadership from both organizations will be well represented. The Board of Directors will be chaired by current Wings Board Chair Greg Miller. Chad Graves, Ent CEO, will become the CEO, reporting to the Board. Current Wings CEO Frank Weidner will provide leadership and support during the transition. Reporting to the CEO will be four Executive Vice Presidents, two representatives from both Ent and Wings, while the broader Executive Leadership Team will be comprised of executives from both credit unions.

Together, this group is partnering with an industry consultant to build out the new organization’s operating model, which will determine the broader organizational chart in the coming weeks and months.

Each credit union participated in submitting the merger application needed to seek and obtain regulatory approval from the NCUA and the Colorado Division of Financial Services. Regulatory approval was received on September 29th, 2025, and now Wings members will vote on the merger. We’ll continue to keep you posted throughout the process.

This opportunity is a Merger of Equals (MOE), meaning two independent credit union entities of roughly the same asset size merge into a single new credit union. The new credit union will provide more value to its membership through better rates, fewer fees and better service options, while remaining competitive in the market.

At this time, your accounts and systems will remain the same. Throughout this process you will be notified well in advance of any changes and steps you need to take. We will be here to help every step of the way.

This merger will help build a stronger combined credit union that can stay true to its local roots in the communities we serve. Both Ent and Wings have been organically growing steadily and each individual institution is nearing $10 billion in assets, a regulatory level that brings increased federal oversight and limits on how much they can earn from debit card transactions.

Crossing the $10 billion threshold triggers tighter regulation under the Dodd-Frank Act and significantly reduces debit interchange revenue, resulting in an estimated combined loss of $40 million under the Durbin Amendment. By joining forces, the newly formed combined credit union will be better positioned to manage these changes without slowing down investments in other areas of our cooperative.

The merger allows for smarter investments and improved services for members, including better rates, fewer fees and access to best-in-class technology, all while efficiently navigating new regulatory requirements. Most importantly, it ensures the combined credit union stays focused on what matters most: its members and the communities it serves.