Savings & Loan Rates
Savings & Loan Rates
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Savings Rates
Rates as of March 16, 2023
| 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 December 2, 2024
New & Used: Model Years 2020 and Newer
| Terms | Promotion APR as low as* | Standard APR as low as* | Min. Loan Amount | Down Payment |
|---|---|---|---|---|
| up to 60 mos. | 5.99% | $3,000 | 0-25% | |
| 61 – 72 mos. | 5.99% | 6.24% | $3,000 | 0-25% |
| 73 – 84 mos. | 6.74% | 6.99% | $25,000 | 0-25% |
| 85 – 96 mos. | 7.24% | 7.49% | $50,000 | 0-25% |
Used: Model Years 2017 – 2019
| Terms | Promotion APR as low as* | Standard APR as low as* | Min. Loan Amount | Down Payment |
|---|---|---|---|---|
| up to 60 mos. | 7.74% | 7.99% | $3,000 | 0-25% |
| 61- 72 mos. | 8.24% | 8.49% | $3,000 | 0-25% |
Used: Model Years 2015 – 2016
| Terms | Promotion APR as low as* | Standard APR as low as* | Min. Loan Amount | Down Amount |
|---|---|---|---|---|
| up to 60 mos. | 9.24% | 9.49% | $3,000 | 0-25% |
Used: Model Years 2013 – 2014
| Terms | Promotion APR as low as* | Standard APR as low as* | Min. Loan Amount | Down Amount |
|---|---|---|---|---|
| up to 60 mos. | 10.99% | 11.24% | $3,000 | 0-25% |
Estimate your monthly payment with our Loan Calculators!
All used collateral older than 2013 will be considered on an individual basis.
*APR= Annual Percentage Rate. Subject to credit approval. Your APR 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 12/2/2024 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.
RV, Boat, & Motorsport Loan Rates
Rates as of December 2, 2024
Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis
Used: Model Years 2020 and Newer
| Terms | Promo. APR as low as* | APR as low as* | Minimum Loan Amount |
|---|---|---|---|
| up to 60 mos. | 5.99% | 6.24% | $3,000 |
| 61 – 120 mos. | 6.49% | 6.74% | $10,000 |
| up to 180 mos. | 6.99% | 7.24% | $20,000 |
| 181 – 240 mos. | 7.49% | 7.74% | $50,000 |
Used: Model Years 2014 – 2019
| Terms | Promo. APR as low as* | APR as low as* | Minimum Loan Amount |
|---|---|---|---|
| up to 60 mos. | 6.24% | 6.49% | $3,000 |
| 61 – 120 mos. | 6.74% | 6.99% | $10,000 |
| 121 – 180 mos. | 7.24% | 7.49% | $20,000 |
| 181 – 240 mos. | 7.74% | 7.99% | $50,000 |
Estimate your monthly payment with our Loan Calculators!
*All used collateral older than 2014 will be considered on an individual basis.
*APR= Annual Percentage Rate. Subject to credit approval. Your APR will be based on your credit worthiness and age of vehicle. Promotional as low as rate of 5.99% 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 12/2/2024 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.
Mortgage Rates
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Home Equity Loan Rates
Rates as of November 8, 2024
Home Equity Loan – Fixed Rate
| APR as low as* | APR as low as* | APR as low as* | APR as low as* | APR as low as* | APR as low as* |
|---|---|---|---|---|---|
| 5 Year Term < 79.99% LTV | 5 Year Term 80-90% LTV | 10 Year Term <79.99% LTV | 10 Year Term 80-90% LTV | 15 Year Term <79.99% LTV | 15 Year Term 80-90% LTV |
| 5.50% | 5.75% | 6.25% | 6.50% | 7.00% | 7.25% |
| *Max LTV 90% |
Home Equity Line of Credit (HELOC)
| APR as low as** | |||
|---|---|---|---|
| 7.75%** |
Home Equity Loan – Fixed Rate:
*APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity. Fixed Closed Home Equity Loan advertised rate of 5.50% is effective as of 11/8/2024. 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 7.75%, which is the current prime market rate as of 11/8/2024. 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 November 8, 2024
| Index | APR* | Terms | |
|---|---|---|---|
| Visa Platinum-Variable ($5,000 – $30,000) | Variable (Prime rate + 4.50%) | 12.25% | No fee – Min. payments are 2% of the balance -or- $25, whichever is greater. |
| Visa Platinum-Fixed ($5,000 – $30,000) | Fixed Rate | 9.90% | No fee – Min. payments are 2% of the balance -or- $25, whichever is greater. |
| Visa Classic Variable ($100 – $4,999) | Variable (Prime rate + 5.75%) | 13.50% | No fee – Min. payments are 2% of the balance -or- $25, whichever is greater. |
| Visa Classic-Fixed ($100 – $4,999) | Fixed Rate | 11.90% | No fee – Min. payments are 2% of the balance -or- $25, whichever is greater. |
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 November 8, 2024
| Index | APR* | Terms | |
| Variable rate (Prime rate + 4.00%) | 11.75% | 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 May 3, 2024
Unsecured Personal Loan
| Amount Borrowed | APR as low as* | Terms* |
|---|---|---|
| $500 – $4,999 | 9.99% | 12 mos. – 48 mos. |
| $5,000 – $20,000 | 10.99% | 12 mos. – 60 mos. |
*APR = Annual Percentage Rate. Rates as low as 9.99% APR as of 5/3/2024. Actual rate is based on applicant’s creditworthiness, term, and loan amount. The repayment period ranges from 12 months to 60 months. 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.
Holiday Loan (available through January 31, 2025)
| Amount Borrowed | APR as low as* | Terms* |
|---|---|---|
| $500 – $2,400 | 6.99% | 12 mos. |
*APR = Annual Percentage Rate. Holiday Loan promotional rates as low as 6.99% on personal loans with a maximum loan amount of $2,400 and maximum repayment term of 12 months. Actual rate is based on applicant’s creditworthiness. Loan cannot be used to refinance existing Zeal Credit Union loans. Rate subject to change. Other restrictions may apply. Payment example: $2,400 for 12 months at 6.99% has payments of $207.62 per month. Application must be submitted by January 31, 2025.
Fresh Start Loans
Solutions for a Fresh Start – (zealcu.org)
Need It Loan
| Amount Borrowed* | APR as low as* | Terms* |
|---|---|---|
| $500 – $4,999 | 16.25% | 12 mos. – 48 mos. |
*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.
Build It Loan
| Amount Borrowed* | APR* | Terms* |
|---|---|---|
| $1,000 | 9.99% | 12 mos. |
*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 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.
Secured Savings Personal Loan
| Amount Borrowed | Index | APR as low as* | Terms |
|---|---|---|---|
| Borrow Any Amount | Variable Rate (Based on Prime) | 7.75% | Any |
*APR = Annual Percentage Rate. The repayment period ranges from 12 months to 84 months. Loan cannot be used to refinance existing Zeal Credit Union loans. Other restrictions may apply. Rate is based on Prime Rate, which is a variable rate, published in the Wall Street Journal.
Estimate your monthly payment with our Loan Calculators!
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