Welcome Credit Union Advantage Members!
Welcome Credit Union Advantage Members!
Welcome to Zeal Credit Union
We are a full-service, member-owned, not-for-profit institution committed to serving the financial needs of our members. When we started out in 1954, our vision was simple, but our core has remained the same – to provide outstanding service to the hardworking Americans we serve. Thanks to you, we now have so many great things in store for the future.
We continue to remain dedicated to helping achieve our members’ long-term financial goals and enjoy the moments that make life worth living! We are excited you’ve joined us and hope you’ll take advantage of all we have to offer.
Top 10 Frequently Asked Questions
If your question isn’t in the Top 10 list below, don’t worry! We’ve also included a FAQ document below that you can review or download for your records.
How can I get more information about the merger and Zeal Credit Union (Credit Union Advantage into Zeal Credit Union)?
Zeal Credit Union is a mission-driven, Community Development Financial Institution (CDFI) and a full-service, not-for-profit financial cooperative serving approximately 67,000 members at 12 full-service branch locations in the Metro Detroit area with $825 million in assets. Zeal CU member deposits are insured to $250,000 by the National Credit Union Administration (NCUA), a US government agency. For more information, visit www.ZealCU.org.
The merger with Zeal CU will benefit the members of Credit Union Advantage by adding branch locations, expanding products and services, and increasing convenience!
More branches providing more member convenience! Zeal Credit Union has branches in Allen Park, Dearborn, Detroit, Livonia, Lyon Crossing, Southfield, Southgate, Taylor, Walled Lake, Westland and Woodhaven. Faster delivery means better service! Being part of a larger credit union will improve our ability to deliver service to you: Implementing new services faster, more effectively responding to your needs. It will provide us with more resources to be the credit union that you deserve!
All important information regarding the merger of Credit Union Advantage (CUA) into Zeal Credit Union will be included on our website and Welcome CUA landing page here (www.ZealCU.org/Welcome-Credit-Union-Advantage), as it becomes available. At this time, you will have received at least two direct mail / email correspondences from Zeal Credit Union with information about key upcoming changes. All previous communication samples can be accessed at “Copies of Conversion Disclosures & Mailings” by scrolling down on this page.
When did CUA officially dissolve into Zeal CU?
Final data conversion of CUA files/systems into Zeal Credit Union took place on Saturday, August 30, 2025. At this time, all CUA members officially became Zeal Credit Union members.
Will CUA’s Southfield (Providence Dr) Branch remain open?
Yes! We intend on keeping CUA’s original branch in Southfield on Providence Dr open and available to our membership. There will also be no immediate changes to the branch hours as well, through the end of 2025. Credit Union Advantage’s Southfield – Providence branch will, however, close on Monday, October 13th, for Indigenous Peoples’ Day.
What is Zeal Credit Union’s Routing Number?
Zeal’s Routing Number is 272477694.
Will my account number change?
Most likely. While not all converted CUA members will have account number changes, many members will have a new Account and Member Number for their Zeal CU account(s). All converted-CUA members received a letter in August with their new Account and Member information enclosed.
Will my loans be sold to third-party loan companies during the conversion?
No. Converted CUA members with loan products will have these products placed into existing Zeal Credit Union loan products. This means that you will continue to have all products serviced in the same fashion as you have become accustomed. Mortgage/Home Loans will continue to be serviced through The Mortgage Center. Credit Cards will stay as-is for the foreseeable future with changes coming in 2026. All other loans will be serviced directly within Zeal Credit Union as expected.
Will I need to order new checks for my new Zeal account?
Not immediately. Converted CUA members will be able to continue using their existing, CUA checks at this time, however we are offering a Check Swap. Newly-converted Members are encouraged to bring in their previous CUA checks in exchange for a batch of free Zeal CU checks. Once these have been used, members will be able to order checks using the online portal to our check vendor, Harland Clarke, by selecting “Personal” on ZealCU.org’s top banner, “Tools” and then “Check Reordering.”
When can I enroll in Online/Mobile Banking with Zeal?
Right now! Simply select “Enroll in Online Banking” under the login module on ZealCU.org and register using the email address connected to your account. You can also download the digital app from the Google Play or Apple App Stores. Once enrolled, you can take advantage of digital banking at your fingertips – whenever, wherever.
When can I start using Zeal CU branches?
Due to the timing of Labor Day Weekend, we encourage converted members to begin reaching out to the Zeal team on Tuesday, September 2nd. All members can begin utilizing all 13 Zeal branch locations at this time as well!
Can I still use my Credit Union Advantage (CUA) ATM, Debit, and/or Credit Cards?
Members with existing CUA ATM and/or Debit Cards were deactivated on August 30th. At this time, converted members were able to begin activating their new Zeal ATM and/or Debit Card!
All existing Credit Cards with CUA will continue to work as intended through the end of the year. Please continue using your card as usual – there will be no updates, changes, or reissuances at this time. If you need assistance with your CUA Credit Card, please call the number on the back of the card. In 2026, Zeal will revisit the credit portfolio and begin transitioning these to the Zeal CU system. More information will follow.
Have a Question (that’s not listed above)?
We get it! Mergers lead to a lot of questions.
We’ve done our best to answer available Frequently Asked Questions above – but if your question isn’t answered above, please reach out directly to our Member Contact Center at (800) 321-8570 or by visiting a Zeal branch in person.
Merger Timeline
Read on below for the major milestones to expect during the merger of Credit Union Advantage (CUA) into Zeal Credit Union.
January 1, 2025:
After approval from ALCO and the Board of Directors for both Credit Union Advantage (CUA) and Zeal Credit Union, 01/01/2025 became the official legal merger date. Credit Union Advantage became a Division of Zeal Credit Union and all CUA assets are now officially Zeal Credit Union assets.
February – July:
Credit Union Advantage and Zeal Credit Union came together to form a Merger Team full of subject matter experts from both institutions who continue to ensure the process moves forward smoothly.
Mid-July:
CUA members received a major disclosure packet in the mail that included their Membership Agreement packet, Discretionary Overdraft Protection Disclosure, Product Conversion / Service Deconversion Notices, and a form (plus postage-paid envelope) to Decline or Opt-In to Zeal’s Discretionary Overdraft service.
August 8, 2025:
New Debit/ATM cards were ordered for all converting CUA accounts. These were mailed directly to members. Please note that Joint Accountholders did not automatically receive a Debit/ATM card and will need to request one, if needed.
August 26, 2025:
Zelle and Bill Pay at CUA were discontinued and shut down on this day.
August 29, 2025:
Friday, August 29th was the last day CUA was on their own system.
At the end of the business day, CUA’s Online and Mobile Banking was shut down, along with the VRU (PAT) program. At 5pm (EST), All CUA Debit/ATM Cards were Blocked/Deactivated.
August 30, 2025:
On Saturday, August 30th, final data conversion took place! At this time, all converted members became part of Zeal Credit Union and members are welcome to begin transacting at any of Zeal’s 13 branch locations (Allen Park, Dearborn, Detroit, Livonia – Middlebelt, Livonia – Newburgh, Lyon Crossing, Southfield, Southfield – Providence, Southgate, Taylor, Walled Lake, Westland, and Woodhaven). Newly-Mailed Zeal Debit/ATM Cards were Unblocked and could be activated and used!
Copies of Conversion Disclosures & Mailers
June 2, 2025: CUA/Zeal Merger – Welcome Letter #1
June 12, 2025: CUA/Zeal Merger – Welcome Follow-Up Email #1
July 14, 2025: CUA/Zeal Merger – Welcome Letter #2
July 14, 2025: Membership Agreement Disclosure Packet
Discretionary Overdraft Protection Disclosure
Product Conversion / Service Deconversion Notice
Overdrafts and Overdraft Fees Explanation (with 1-page CUA Merger Form)
July 17, 2025: CUA/Zeal Merger – Welcome Follow-Up Email #2
August 15, 2025: CUA/Zeal Merger – Individualized Member/Account Numbers
August 28, 2025: CUA/Zeal Merger – Final Welcome Email with Reminders
