Become a Member

Whether you’re a Hard-Working American who wants to save, spend, borrow, or learn, Zeal Credit Union wants to be part of your life’s journey!

Keep Scrolling to see why our members love being a part of the Zeal community, or Apply Now.

Group of different nations supporters together

Zeal Membership

Our Credit Union is a diverse group of over 60,000 members and we’d love for you to join! When you’re a member at Zeal, you’re part of a vibrant community who receive access to convenient services, exclusive discounts, and exceptional products. As a member, our earnings are paid back to you in the form of better loan rates, dividends, and community perks.

Becoming a member is easy! Zeal Credit Union membership begins with a one-time $2.00 fee and a minimum balance deposited to your share account of just $5.00.

Here are the multiple ways that members are eligible to join Zeal Credit Union:

  • Cooperative Services Inc.
  • Employment at one of our associated employer groups or organized groups located in the state of Michigan. (A written request must be provided by your employer to Zeal Credit Union.)
  • Employment at Zeal Credit Union.
  • Currently receiving a retirement annuity, pension, Social Security, or similar retirement benefits from a private or government source.
  • Any legal entity that is comprised of individuals that may also be eligible for Zeal membership based on the qualifications listed above.
  • Any members and immediate families of the foregoing qualifications listed above.
  • Any person who lives, works, worships, or studies in the state of Michigan.

If you have any questions about becoming a Zeal Credit Union member, our amazing team will gladly assist you! Reach out to us any time at 800-321-8570 or Contact Us.

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Personal Membership

Personal Membership

Our membership offers exclusive products, services and perks for members.  Whether you need basic checking or are buying a new home, we’ve got you covered. Membership is open to all hard-working Americans! 

Personal Member Benefits

As a Zeal Credit Union member, you’re a member of our community and extended family. Join today and enjoy the wide range of products, services, and perks listed below.

Personal Member Products

Checking

  • Free, Interest-bearing
  • Mobile Checking Accounts

Credit Cards

  • Visa Classic and Visa Platinum
  • Investments
    • Retirement, Insurance and Investment Services
  • Loans
    • Vehicle Loans that include cars, boats, and RVs
    • Home Equity Lines of Credit
    • Overdraft Lines of Credit
    • Mortgages for first-time home buyers and refinancing
    • Secured and Signature Loans
  • Savings
    • Certificates of Deposit (CDs)
    • Individual Retirement Accounts (IRAs)
    • Money Market Accounts
    • Savings Accounts

Personal Member Services & Perks

  • Account Services
    • A host of convenience just for you from cashier’s checks to virtual wallets
  • Online & Mobile Services
    • 24/7 access to your accounts to pay bills, transfer funds, and much more
  • Member Perks
    • Our partners provide discounts, legal services and optional insurance, protection, and warranties.
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Business Membership

Your business is a part of our community. We have the financial tools your company needs to expand your product or services, or even invest for your future growth – we’re here to help with whatever you need!

Business Membership Benefits

As a Zeal Credit Union business member, you are a part of a growing group of members taking advantage of the products and services we offer. Join today and enjoy a wide range of products, services and perks to support you while you navigate the life of a business owner.

Business Products

  • Business Checking
  • Business Credit Card
  • Business Loans
  • Business Equipment Loans, Business Lines of Credit, Commercial Real Estate Loans, and a variety of Small Business Administration (SBA) Loans
  • Business Savings
  • Business Savings Account, Business Money Market Account, Business Jumbo Money Market Account, and Simplified Employee Pension Individual Retirement Account (SEP-IRA)

Business Services & Perks

  • Account Services
  • A host of convenience just for you from cashier’s checks to virtual wallets
  • Online & Mobile Services
  • 24/7 access to your accounts to pay bills, transfer funds, and much more
  • Member Perks
  • Our partners provide discounts, legal services and optional insurance, protection, and warranties.
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Why Zeal Credit Union?

At Zeal Credit Union, we want your financial experience to be one of partnership and benefit. Our team strives to support our members in reaching their full financial potential and aid in helping you reach your financial goals and dreams. We know hard working Americans like you deserve a financial institution where you can go and be heard – we are that place. Our team is proud and know that what we do for you, our membership, affects your lives – so we want to make sure any of the products and services we provide benefit your goals. Thank you for considering Zeal Credit Union and we look forward to hearing from you soon.

Videos: See why our members love being a part of the Zeal Community!

Always There When I Need Them

Meet Ron

Solutions for Businesses

A Solution For Non Standard Financing Needs

Going Over and Beyond

The Zeal Difference

A Solution For Non Standard Financing Needs

(extended version)

There When You Need Them

Always Welcoming, Always There