Great Rates: We’ve Got That!
You work hard to build your future, and we’re here to help. Zeal has savings options that work as hard as you! No matter what you’re saving for, Zeal has accounts that fit your needs. And you get the peace of mind of knowing that your savings are insured to at least $250,000 by the National Credit Union Administration (NCUA).
Money Market Account
A money market account from Zeal helps you make the most of your money. A money market account offers a competitive rate higher than a typical savings account, while giving you flexible and easy access to your funds. With tiered interest rate, the more you save, the more you earn! For additional security, your savings are also insured to at least $250,000 by the National Credit Union Administration (NCUA). You work hard for your money, now let Zeal help you save!
For information or details on how to open a Money Market account, visit one of our locations or call 800.321.8570.
| Account | APY* | Minimum | Dividends Paid |
|---|---|---|---|
| Money Market* | 0.30% | $5,000 – $24,999.99 | Monthly |
| Money Market* | 0.40% | $25,000 – $49,999.99 | Monthly |
| Money Market* | 0.50% | $50,000 – $99,999.99 | Monthly |
| Money Market* | 0.60% | $100,000 – $499,999.99 | Monthly |
| Money Market* | 0.70% | $500,000+ | Monthly |
* Rates as of October 1, 2025. APY = Annual Percentage Yield. All rates subject to change at any time. Fees may reduce the earnings on your account. Monthly Rates listed above are the rates paid last quarter/month. $5,000 balance required to avoid a minimum balance fee in all Zeal Money Market accounts.
CERTIFICATES OF DEPOSIT (CDs)
Whether you’re saving for an emergency, or for a specific need, a Zeal CD offers you the comfort of knowing your rate is guaranteed for the term of your CD**. And we offer a broad range of terms – from 91 days to 60 months! Already a Zeal member? Log into Online Banking to open your CD today. New to Zeal? Click here or stop by a branch today to become a member!
IRA CDs
Do you have money sitting in a 401k or retirement account from a past employer? Move it over to an IRA Certificate of Deposit (CD)** and earn a higher interest rate than if the funds were just sitting in a savings account. Plus, you’ll get the additional NCUA coverage on your IRA funds, giving you the extra peace of mind that your CD funds are secure.
| 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 |
** Rates as of October 1, 2025. APY = Annual Percentage Yield. All rates subject to change at any time. 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. All rates subject to change at any time. Call 800.321.8570.
Visit your local branch and ask a Zeal financial representative for more information on IRA CDs today!
