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Savings & Loan Rates

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Savings Rates

Account APY* Minimum Dividends Paid
Regular Share20.05%$5.00Quarterly
Dividend Bearing Checking30.05%$1,000Monthly
Vacation Club0.05%NoneQuarterly
Christmas Club0.05%NoneQuarterly
High Yield Fund0.20%$2,500Monthly
Ultra Savings4 0.50%$25,000 – $49,999.99 Monthly
Ultra Savings4 0.60%$50,000 – $99,999.99Monthly
Ultra Savings40.70%$100,000 – $499,999.99Monthly
Ultra Savings40.80%$500,000 or moreMonthly
Money Market5 0.30%$5,000 – $24,999.99Monthly
Money Market50.40%$25,000 – $49,999.99Monthly
Money Market5 0.50%$50,000 – $99,999.99Monthly
Money Market5 0.60%$100,000 – $499,999.99Monthly
Money Market50.70%$500,000+Monthly

Click here for our Deposit Accounts Calculator!

Fees may reduce the earnings on your account. Monthly Rates listed above are the rates paid last quarter/month. Rates are subject to change at any time.

*APY = Annual Percentage Yield. Rates good as of May 1, 2025.
2 $199 combined savings balance required to avoid a minimum balance fee.
3 $1,000 combined savings balance required to avoid a minimum balance fee.
4 $25,000 daily balance required to avoid minimum balance fee.
5 $5,000 balance required to avoid a minimum balance fee.

For information or details on how to open a savings account, call 800.321.8570. Deposit products are Federally Insured up to $250,000 by the NCUA, a U.S. Government Agency.


CDs & IRA Rates

Certificates of Deposit and IRA Certificates – Annual Percentage Yields (APY)

Term$1,000 – $24,999$25,000 – $99,999Over $100,000Dividends Paid
91 days1.00%1.10%1.20%Maturity
6 mos.1.60%1.70%1.80%Maturity
9 mos. 1.70%1.80%1.90%Maturity
12 mos. 1.80%1.90%2.00%Quarterly
15 mos.1.80%1.90%2.00%Quarterly
18 mos. 1.80%1.90%2.00%Quarterly
24 mos. 1.90%2.00%2.10%Quarterly
30 mos.*1.90%2.00%2.10%Quarterly
36 mos.2.00%2.10%2.20%Quarterly
48 mos. 2.10%2.20%2.30%Quarterly
60 mos.*2.20%2.30%2.40%Quarterly

See how much you can save with our Savings Calculators!

*Rates as of May 1, 2025. All Certificate of Deposits have a $1,000 minimum balance except a 30 month which has a $100 minimum balance, and a 60 month which has a $500 minimum balance. All IRA Certificates have a minimum $500 opening balance except a 30 month which has a $100 minimum balance. Penalty for early withdrawal. Rates subject to change at any time. APY = Annual Percentage Yield. All rates subject to change at any time. Call 800.321.8570.


Auto Loan Rates

New & Used Auto Loans

APR*Term
as low as 4.74%up to 48 months
as low as 5.74%49 – 60 months
as low as 5.99%61 – 72 months
as low as 6.74%73 – 84 months
as low as 7.24%85 – 96 months
as low as 7.74%97 – 120 months

Call or come into your local Zeal branch for a specialized quote!

Estimate your monthly payment with our Loan Calculators!

*APR= Annual Percentage Rate. Subject to credit approval. Rates current as of 5/18/2025 and are subject to change without notice. Your APR and other terms will be based on your creditworthiness and age of vehicle. As low as APR reflects A+ credit, a 0.25% rate discount, and a vehicle model 2021 or newer. Rate discount available to approved borrowers who enroll in automatic payments from their Zeal Credit Union checking account. Other rates and terms are available. The minimum loan amount is $3,000. A down payment of 0% – 25% is required based on your credit score. Other restrictions may apply.

Classic Car Auto Loans

APR*Term
as low as 6.99%Up to 84 months
as low as 7.49%85 – 96 months
as low as 7.99%97 – 120 months

Call or come into your local Zeal branch for a specialized Classic Auto quote!

Estimate your monthly payment with our Loan Calculators!

*APR= Annual Percentage Rate. Classic Auto defined as listed in the J.D. Power Classic Car Book. Rates current as of 5/18/2025 and are subject to change without notice. Subject to credit approval. Your APR and other terms will be based on your creditworthiness and age of vehicle. As low as APR reflects A+ credit. Other rates and terms are available. The minimum loan amount is $3,000. A down payment of 0% – 25% is required based on your credit score. Other restrictions may apply.


RV, Boat, & Motorsport Loan Rates

Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis

APR*Term
as low as 5.99%Up to 60 months
as low as 6.49% 61 – 120 months
as low as 6.99%121 – 180 months
as low as 7.49%181 – 240 months

Call or come into your local Zeal branch for a specialized quote!

Estimate your monthly payment with our Loan Calculators!

*APR= Annual Percentage Rate. Subject to credit approval. Rates current as of 5/18/2025 and are subject to change without notice. Your APR and other terms will be based on your credit worthiness and age of vehicle. Promotional as low as rate of 5.99% APR reflects A+ credit, a 0.25% rate discount, and vehicle model year 2021 or newer. Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking account. The minimum loan amount is $3,000. A down payment of 0% – 25% is required based on your credit score. Other restrictions may apply. Other rates, model years, and terms are available upon request.


Mortgage Rates

Click here to view Mortgage Loan Rates


Home Equity Loan Rates

Home Equity Loan – Fixed Rate

APR* Term
as low as 5.50%5 Year Term
as low as 6.25%10 Year Term
as low as 7.00%15 Year Term
as low as 7.75%20 Year Term

*APR = Annual Percentage Rate. Rates current as of 5/18/2025 and are subject to change without notice. Zeal Credit Union is an equal opportunity lender. Actual rate based on member’s creditworthiness, loan amount, loan to value, and term. Advertised rates are for informational purposes. Rates are subject to change at any time and without notice. For the most up to date rate information, please contact a Zeal mortgage representative directly. Fixed Closed Home Equity Maximum Loan to Value is 90%. Property must be in the State of Michigan. The minimum amount is $10,000 and maximum amount is $250,000. Homeowner’s property insurance is required, and flood insurance may be required. Other restrictions may apply. Membership eligibility is required.

Home Equity Loan – Line of Credit

Loan TypeAPR*
Home Equity Line of Creditas low as 7.50% APR**

**APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity lender. Variable Rate Home Equity Line of Credit ranges from a minimum of 7.50%, which is the current prime market rate as of May 1, 2025. This rate is subject to change with a maximum of no more than 18%. Actual rate is based on loan amount, loan to value, and individual creditworthiness. Advertised rates are for informational purposes. Rates are subject to change at any time and without notice. For the most up to date rate information, please contact a Zeal mortgage representative directly. Home Equity Line of Credit Maximum Loan to Value 95%. Property must be in the State of Michigan. The minimum amount is $10,000 and maximum amount is $250,000. Homeowner’s property insurance is required, and flood insurance may be required. Other restrictions may apply. Membership eligibility is required.

Call or come into your local Zeal branch for a specialized quote!

Get Started Today! To start your application and learn more, visit our Home Equity page.
Zeal Credit Union is Federally Insured by NCUA. Mortgage Center is an Equal Housing Lender, NMLS# 282701.


VISA Rates

Loan Type APR* as low as Terms
Visa Platinum – Variableas low as 12.00% APR*No fee – Min. payments are 2% of the balance or $25, whichever is greater.
Visa Platinum – Fixedas low as 9.90% APR*No fee – Min. payments are 2% of the balance or $25, whichever is greater.
Visa Classic – Variableas low as 13.25% APR*No fee – Min. payments are 2% of the balance or $25, whichever is greater.
Visa Classic – Fixedas low as 11.90% APR*No fee – Min. payments are 2% of the balance or $25, whichever is greater.

Call or come into your local Zeal branch for a specialized quote!

Apply online for your card today.

Estimate your monthly payment with our Loan Calculators!

*APR = Annual Percentage Rate. Your APR may vary. Variable Rate Information based on Wall Street Journal Prime Rate. Rates valid as of May 1, 2025. No annual fee. No minimum finance charge. No transaction fee for purchases or cash advances.


Gold Line Rate

Rates as of May 1, 2025

Loan Type APR* as low asTerms
Gold Lineas low as 11.50%No fee – Payments $2.60 per $100

Estimate your monthly payment with our Loan Calculators!

*APR=Annual Percentage Rate. Your APR may vary. Variable Rate Information based on Wall Street Journal Prime Rate. Rate good as of May 1, 2025. No annual fee. No minimum finance charge. No transaction fee for purchases or cash advances


Personal Loan Rates

Unsecured Personal Loan
Loan Type APR*Term
Unsecured Personal Loan (< $5,000)as low as 9.99%12 – 48 months
Unsecured Personal Loan ($5,000 or more)as low as 10.99%12 – 60 months
Unsecured Personal Loan ($5,000 or more)as low as 11.49%61 – 72 months
Unsecured Personal Loan ($5,000 or more)as low as 12.49%73 – 84 months

*APR = Annual Percentage Rate. Rates as low as 9.99% APR as of May 1, 2025 based on a term of 48 months, a total loan amount under $5,000 with A+ credit. Actual rate is based on applicant’s creditworthiness, term, and loan amount. Loan cannot be used to refinance existing Zeal Credit Union loans. Rate subject to change. Other restrictions may apply. Payment example: $4,999 for 48 months at 9.99% has payments of $126.76 per month.

Fresh Start Loans

Solutions for a Fresh Start – (zealcu.org)

Fresh Start Loan Products APR*Term
Need It Loan16.25%Term up to 48 months
Build It Loan9.99%Term up to 12 months

*APR = Annual Percentage Rate. Need It Personal Loan Rate is 16.25% APR as of May 1, 2025. The repayment period for a Need It loan ranges from 12 months to 48 months. Qualification based on applicant’s creditworthiness. Other personal loan rates and terms available base on applicant’s creditworthiness, term, and loan amount. Loan cannot be used to refinance existing Zeal Credit Union loans. Rates subject to change. Other restrictions may apply. Payment example: $1,000 for 12 months at 16.25% has payments of $90.85 per month. See Solutions for a Fresh Start – (zealcu.org) for details.

*APR = Annual Percentage Rate. Build it loan rate is 9.99% for a loan of $1,000 with a 12-month repayment term as of May 1, 2025. Qualification based on applicant’s creditworthiness. Other secure savings personal loan (Share Pledge Loan) rates and terms available and subject to credit approval. Loan cannot be used to refinance existing Zeal Credit Union loans. Other restrictions may apply. Rates subject to change. Other restrictions may apply. Payment Example: $1,000 for 12 months at 9.99% is $87.91. See Solutions for a Fresh Start – (zealcu.org) for details.

Share Pledge Loan
Loan Type APR* Terms
Share Pledge Loan Rate as low as 2% over the share pledged at time of closing* Up to 84 months

*APR = Annual Percentage Rate. Rate good as of May 1, 2025. Other restrictions may apply. Rate is 2% over our lowest share rate (not checking) at time of closing. If CD, loan term must be within CD term.

Estimate your monthly payment with our Loan Calculators!

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