Savings & Loan Rates
Savings & Loan Rates
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Savings Rates
Rates as of February 18, 2025
| Account APY* | Minimum | Dividends Paid | |
|---|---|---|---|
| Regular Share2 | 0.05% | $5.00 | Quarterly |
| Dividend Bearing Checking3 | 0.05% | $1,000 | Monthly |
| Vacation Club | 0.05% | None | Quarterly |
| Christmas Club | 0.05% | None | Quarterly |
| High Yield Fund | 0.20% | $2,500 | Monthly |
| Ultra Savings4 | 0.50% | $25,000 – $49,999.99 | Monthly |
| Ultra Savings4 | 0.60% | $50,000 – $99,999.99 | Monthly |
| Ultra Savings4 | 0.70% | $100,000 – $499,999.99 | Monthly |
| Ultra Savings4 | 0.80% | $500,000 or more | Monthly |
| Money Market5 | 0.30% | $5,000 – $24,999.99 | Monthly |
| Money Market5 | 0.40% | $25,000 – $49,999.99 | Monthly |
| Money Market5 | 0.50% | $50,000 – $99,999.99 | Monthly |
| Money Market5 | 0.60% | $100,000 – $499,999.99 | Monthly |
| Money Market5 | 0.70% | $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.
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 ext. 7400. Deposit products are Federally Insured up to $250,000 by the NCUA, a U.S. Government Agency.
CDs & IRA Rates
Rates as of March 16, 2023
Certificates of Deposit and IRA Certificates – Annual Percentage Yields (APY)
| Term | $1,000 – $24,999 | $25,000 – $99,999 | Over $100,000 | Dividends Paid |
|---|---|---|---|---|
| 91 days | 1.00% | 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!
*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 ext. 7400.
Auto Loan Rates
Rates as of February 18, 2025
New & Used Auto Loans
| Loan Type | APR* as low as | Term |
|---|---|---|
| New & Used Auto Loan (Years 2021 and Newer) | as low as APR | up to 60 months |
| New & Used Auto Loan (Years 2020 and Older) | as low as 7.74% APR | up to 60 months |
Terms up to 120 months available. 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. Your APR and other terms will be based on your credit worthiness and age of vehicle. Promotional as low as rate of APR reflects A+ credit and a 0.25% rate discount. Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking account. Rates current as of 2/18/2025 and are subject to change without notice. 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 and terms are available upon request.
RV, Boat, & Motorsport Loan Rates
Rates as of February 18, 2025
Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis
| Loan Type | APR* as low as | Term |
| Used RV, Boat, Motorsport (Years 2021 and Newer) | as low as APR | up to 60 months |
| Used RV, Boat, Motorsport (Years 2020 and Older) | as low as 6.24% APR | up to 60 months |
Terms up to 240 months available. 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. Your APR and other terms will be based on your credit worthiness and age of vehicle. Promotional as low as rate of APR reflects A+ credit and a 0.25% rate discount. Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking account. Rates current as of 2/18/2025 and are subject to change without notice. The minimum loan amount is $3,000. A down payment of 0% – 25% is required based on your credit score. Other restrictions may apply. All used collateral older than 2015 will be considered on an individual basis. Other rates and terms are available upon request.
Mortgage Rates
Click here to view Mortgage Loan Rates
Home Equity Loan Rates
Rates as of February 18, 2025
| Loan Type | APR* as low as |
| Fixed Rate | as low as 5.50% APR* |
Terms up to 20 Years Available.
Call or come into your local Zeal branch for a specialized quote!
Home Equity Loan – Fixed Rate:
*APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity lender. Fixed Closed Home Equity Loan advertised rate of 5.50% is effective as of 2/18/2024. Actual rate based on member’s creditworthiness, loan amount, loan to value, and term. The Home Equity Loan terms are 5, 10, or 15 years. 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.
HELOC Disclaimer:
**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 2/18/2024. 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.
Get started Today! To start your application and learn more, visit our Home Equity page.
VISA Rates
Rates as of February 18, 2025
| Loan Type | APR* as low as | Terms |
|---|---|---|
| Visa Platinum – Variable | as low as 12.00% APR* | No fee – Min. payments are 2% of the balance or $25, whichever is greater. |
| Visa Platinum – Fixed | as low as 9.90% APR* | No fee – Min. payments are 2% of the balance or $25, whichever is greater. |
| Visa Classic – Variable | as low as 13.25% APR* | No fee – Min. payments are 2% of the balance or $25, whichever is greater. |
| Visa Classic – Fixed | as low as 11.90% APR* | No fee – Min. payments are 2% of the balance or $25, whichever is greater. |
VISA Rates based on individual credit and payment history.
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. No annual fee. No minimum finance charge. No transaction fee for purchases or cash advances.
Gold Line Rate
Rates as of February 18, 2025
| Loan Type | APR* as low as | Terms |
| Gold Line | 11.50% APR* | 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. No annual fee. No minimum finance charge. No transaction fee for purchases or cash advances
Personal Loan Rates
Rates as of February 18, 2025
Unsecured Personal Loan
| Loan Type | APR* as low as | Term |
| Unsecured Personal Loan (< $5,000) | as low as 9.99% APR* | Term up to 48 months |
| Unsecured Personal Loan ($5,000 or more) | as low as 10.99% APR* | Term up to 60 months |
*APR = Annual Percentage Rate. Rates as low as 9.99% APR as of 2/18/2025. Actual rate is based on applicant’s creditworthiness, term, and loan amount. The repayment period ranges from 12 months to 60 months. All requests for a term greater than 60 months will be considered on an individual basis. 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* as low as | Term |
| Need It Loan | as low as 16.25% APR* | Term up to 48 months |
| Build It Loan | as low as 9.99% APR* | Term up to 12 months |
*APR = Annual Percentage Rate. Need It Personal Loan Rate is 16.25% APR as of 5/1/2024. 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 5/1/2024. 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* as low as | 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. 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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