Savings & Loan Rates
Savings & Loan Rates
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Savings Rates
Rates as of June 1st, 2021
| Account APY* | Minimum | Dividends Paid | |
|---|---|---|---|
| Regular Share** | 0.05% | $5.00 | Quarterly |
| Dividend Bearing Checking*** | .05% | $1,000 | Monthly |
| Vacation Club | .05% | None | Quarterly |
| Christmas Club | .05% | None | Quarterly |
| High Yield Fund | .10% | $2,500 | Monthly |
| Ultra Savings***** | .20% | $25,000 – $49,999 | Monthly |
| Ultra Savings***** | .25% | $50,000 – $99,999 | Monthly |
| Ultra Savings***** | .30% | $100,000 – $499,999 | Monthly |
| Ultra Savings***** | .35% | $500,000+ | Monthly |
| Money Market****** | .10% | $5,000 – $24,999 | Monthly |
| Money Market****** | .15% | $25,000 – $49,999 | Monthly |
| Money Market****** | .15% | $50,000 – $99,999 | Monthly |
| Money Market****** | .15% | $100,000 – $499,999 | Monthly |
| Money Market****** | .15% | $500,000+ | Monthly |
Click here for 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.
** $199 combined savings balance required to avoid a minimum balance fee.
*** $1,000 combined savings balance required to avoid a minimum balance fee.
**** $199 combined savings balance required to avoid a minimum balance fee.
***** $25,000 daily balance required to avoid minimum balance fee.
****** $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 June 1st, 2021
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 | 0.20% | 0.20% | 0.20% | Maturity |
| 6 mos. | 0.25% | 0.30% | 0.35% | Maturity |
| 9 mos. | 0.30% | 0.35% | 0.40% | Maturity |
| 12 mos. | 0.45% | 0.50% | 0.55% | Quarterly |
| 15 mos. | 0.45% | 0.50% | 0.55% | Quarterly |
| 18 mos. | 0.50% | 0.55% | 0.60% | Quarterly |
| 24 mos. | 0.60% | 0.65% | 0.70% | Quarterly |
| 30 mos.* | 0.60% | 0.65% | 0.70% | Quarterly |
| 36 mos. | 0.75% | 0.80% | 0.85% | Quarterly |
| 48 mos. | 0.85% | 0.90% | 0.95% | Quarterly |
| 60 mos.* | 1.05% | 1.10% | 1.15% | 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 1, 2022
New & Used: Model Years 2023 – 2018
| Terms | Promotion APR as low as** | Standard APR as low as* | Min. Loan Amount | Down Payment |
|---|---|---|---|---|
| up to 60 mos. | 5.74% | $3,000 | 0% – 25% | |
| up to 72 mos. | 6.34% | 6.59% | $3,000 | 0% – 25% |
| up to 84 mos. | 7.34% | 7.59% | $30,000 | 0% – 25% |
Used: Model Years 2017 – 2015
| Terms | Promotion APR as low as** | Standard APR as low as* | Min. Loan Amount | Down Payment |
|---|---|---|---|---|
| up to 60 mos. | 7.24% | 7.49% | $3,000 | 0% – 25% |
| up to 72 mos. | 7.29% | 7.54% | $3,000 | 0% – 25% |
Used: Model Years 2014 – 2013
| Terms | Promotion APR as low as** | Standard APR as low as* | Min. Loan Amount | Down Payment |
|---|---|---|---|---|
| up to 60 mos. | 8.34% | 8.59% | $3,000 | 0% – 25% |
Used: Model Years 2012 – 2011
| Terms | Promotion APR as low as** | Standard APR as low as* | Min. Loan Amount | Down Payment |
|---|---|---|---|---|
| up to 48 mos. | 10.85% | 11.10% | $3,000 | 0% – 25% |
Estimate your monthly payment with our Loan Calculators!
All used collateral older than 2011 will be considered on an individual basis.
*APR = Annual Percentage Rate. Promotional rates as low as APR. Actual rate is based on applicant’s creditworthiness and age of vehicle. The minimum loan amount is $3,000 with a down payment of 0% to 25% based on credit score. You must have a savings and checking account at Zeal Credit Union to receive promotional rate and you must also sign up for automatic payment deductions from that checking or savings account. Refinances from other institutions qualify as long as the vehicle is 2018 or newer. Other rates and terms are available. Other restrictions may apply.
RV, Boat, & Motorsport Loan Rates
Rates as of December 1, 2022
Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis
| Year | Terms | APR as low as* | Promo APR as low as* | Min Loan Amount |
|---|---|---|---|---|
| 2018-2023 | up to 60 mos. | 5.74% | 5.49% | $3,000 |
| up to 120 mos. | 6.24% | 5.99% | $10,000 | |
| up to 180 mos. | 6.74% | 6.49% | $20,000 | |
| up to 240 mos. | 7.24% | 6.99% | $50,000 |
| Year | Terms | APR as low as* | Promo APR as low as* | Min Loan Amount |
|---|---|---|---|---|
| 2012-2017 | up to 60 mos. | 5.99% | 5.74% | $3,000 |
| up to 120 mos. | 6.49% | 6.24% | $10,000 | |
| up to 180 mos. | 6.99% | 6.74% | $20,000 | |
| up to 240 mos. | 7.49% | 7.24% | $50,000 |
Estimate your monthly payment with our Loan Calculators!
All used collateral older than 2012 will be considered on an individual basis.
*APR = Annual Percentage Rate. Promotional rates as low as 5.74% APR. Maximum financing may vary with a minimum loan amount of $3,000. Actual rate is based on applicant’s creditworthiness, age of vehicle, and term. You must have a savings and checking account at Zeal Credit Union to receive promotional rate and you must also sign up for automatic payment deductions from that checking or savings account. Other rates and terms are available. Other restrictions may apply..
Mortgage Rates
Click here to view Mortgage Loan Rates
Home Equity Loan Rates
Click here to view Home Equity Loan Rates
VISA Rates
Rates as of November 3, 2022
| Index | APR* | Terms | |
|---|---|---|---|
| Visa Platinum-Variable ($5,000 – $30,000) | Variable (Prime rate + 4.50%) | 11.50% | No fee – Minimum payments are 2% of the balance or $25, whichever is greater. |
| Visa Platinum-Fixed ($5,000 – $30,000) | Fixed Rate | 9.90% | No fee – Minimum payments are 2% of the balance or $25, whichever is greater. |
| Visa Classic-Variable (to $4,999) | Variable (Prime rate + 5.75%) | 12.75% | No fee – Minimum payments are 2% of the balance or $25, whichever is greater. |
| Visa Classic-Fixed (to $4,999) | Fixed Rate | 11.90% | No fee – Minimum 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 Rates
Rates as of June 1st, 2021
| Index | APR* | Terms | |
|---|---|---|---|
| Gold Line (up to $25,000) | Variable rate | 11.00% | 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 December 1, 2022
Unsecured Personal Loans
| Amount Borrowed | APR as low as* | Terms |
|---|---|---|
| *Holiday Loan: Up to $5,000 | 6.99% | Up to 36 mos. |
| $500 – $4,999 | 8.99% | 12 mos – 48 mos |
| $5,000 – $20,000 | 9.49% | 12 mos – 60 mos |
Secured Savings Personal Loans
| Amount Borrowed | APR as low as** | Terms |
|---|---|---|
| Any | 6.25% | Any |
Estimate your monthly payment with our Loan Calculators!
*APR = Annual Percentage Rate. Actual rate is based on applicant’s creditworthiness. The repayment period ranges from 12 months to 60 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.
*Holiday Loan Promotional rate as low as 6.99% APR on personal loans up to $5,000. The repayment period ranges from 12 months to 36 months. As an example, for a $2,500 loan with an APR of 6.99% and 24 month term, the estimated monthly payment would be $111.92. The estimated total cost of the loan in this example would be $2,686.06. Loan subject to approval based on applicant’s credit worthiness. Holiday loan cannot be used to refinance existing Zeal Credit Union loans. Application must be submitted by December 31, 2022.
