All Zeal Offices will be Closed: Mon, 12/26 -and- 1/2/23 for Christmas Day (observed) and New Year's Day (observed). On Sat, 12/24 and Sat, 12/31 - All Offices will be Closed, with Branch Drive-Thru hours only: Drive-thru open hours are 9a-1p. For our full Holiday Schedule, please visit: For branch locations that have drive-thrus, visit

Mortgage Loans

Zeal Credit Union is committed to providing our members with the best home financing options. Together with our partners at Mortgage Center, we’re able to offer a variety of exclusive home loans with lower rates and lower fees. Mortgage Center has been providing world-class service to credit union members like you for over 30 years. With Mortgage Center, we have a dedicated team of experts to help you find the home loan that fits your situation – whether you’re a first-time home buyer, want to refinance into a better rate, or are looking to build your perfect home!

Mortgage Special has been Extended! Now through December 31, 2022, take advantage of Mortgage Center’s special offer and purchase or refinance your home for $99* in origination fees!

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Purchase A Home

Mortgage Center has a home loan option to fit almost any situation. From flexible payment terms to low down-payment options, our team of experts will help you find the perfect mortgage. Apply now to start your home-buying journey!


Refinance and take advantage of the current low rates. You could lower your monthly payment, shorten the term of your mortgage, or use the equity you’ve built to take cash out of your home.

Build A New Home

Mortgage Center’s unique One-Time Close Construction Loan gives you the ability to pay for the construction of the home you’ve always wanted!

Home Equity Loans

Visit our Home Equity Loan page for information on Zeal Home Equity Loans, rates, and to apply.

Ready to Get Started?

Call 800-353-4449 or apply online by clicking the button below.

For frequently asked questions, visit our Mortgage Center FAQ.

*$99 mortgage is valid until December 31st 2022. Mortgage amount must be between $40,000 and $647,200 to be eligible. Mortgage rates current as of 10/31/2022 and assumes a 30-year fixed-rate purchase or refinance of a detached, owner-occupied property with a loan to value ratio of 80% and a credit score of 740. A loan amount of $200,000 at an interest rate of 6.75% and an APR of 6.8417% has a payment of $1,297.20 with 0.125 points due at closing. The payment does not include property taxes or insurances, the actual payment will be higher. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes FHA, VA, and Home Equity Loans and Lines of Credit. Zeal Credit Union membership required. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply. Mortgage Center is an Equal Housing Lender, NMLS# 282701.