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savings & loan rates

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Savings Rates

Rates as of April 29th, 2020

Account APY*MinimumDividends Paid
Regular Share**0.05%$5.00Quarterly
Dividend Bearing Checking***.05%$1,000Monthly
Vacation Club.05%NoneQuarterly
Christmas Club.05%NoneQuarterly
High Yield Fund.10%$2,500Monthly
Ultra Savings*****.30%$25,000 – $49,999Monthly
Ultra Savings*****.45%$50,000 – $99,999Monthly
Ultra Savings*****.60%$100,000 – $499,999Monthly
Ultra Savings*****.70%$500,000+Monthly
Money Market******.20%$5,000 – $24,999Monthly
Money Market******.25%$25,000 – $49,999Monthly
Money Market******.30%$50,000 – $99,999Monthly
Money Market******.35%$100,000 – $499,999Monthly
Money Market******.40%$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 April 15th, 2020

Certificates of Deposit and IRA Certificates – Annual Percentage Yields (APY)

Term$1,000 – $24,999$25,000 – $99,999Over $100,000Dividends Paid
91 days0.20%0.20%0.25%Maturity
6 months0.30%0.35%0.40%Maturity
9 months0.30%0.35%0.40%Maturity
12 months0.70%0.75%0.80%Quarterly
15 months0.70%0.75%0.80%Quarterly
18 months0.80%0.85%0.90%Quarterly
24 months1.00%1.05%1.10%Quarterly
30 months*1.00%1.05%1.10%Quarterly
36 months1.25%1.30%1.35%Quarterly
48 months1.50%1.55%1.60%Quarterly
60 months*1.60%1.65%1.75%Quarterly

See how much you can save with our Loan 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 April 15th, 2020

New & Used

YearTermsPromotion APR as low as**Standard APR as low as*Min Loan AmountDown Payment
2020 – 2016up to 60 months2.99%3.24%$3,0000% to 25%
up to 72 months3.49%3.74%$3,0000% to 25%
up to 84 months4.24%4.49%$35,0000% to 25%

Used

YearTermsPromotion APR as low as**Standard APR as low as*Min Loan AmountDown Payment
2015 – 2013up to 60 months3.89%4.14%$3,0000% to 25%
up to 72 months3.94%4.19%$3,0000% to 25%

Used

YearTermsPromotion APR as low as**Standard APR as low as*Min Loan AmountDown Payment
2012 – 2011up to 60 months5.04%5.24%$3,0000% to 25%
2010 – 2009up to 48 months7.55%7.75%$3,0000% to 25%

Estimate your monthly payment with our Loan Calculators !

All used collateral older than 2009 will be considered on an individual basis. * APR = Annual Percentage Rate. Rates may vary depending on credit history. ** APR = Annual Percentage Rate. Rates may vary depending on credit history. To receive the special rate a checking account at Zeal Credit Union is required. You must also sign up for automatic payment deductions from a Zeal Credit Union checking or savings account.

RV, Boat & Motorsport Loan Rates

Rates as of April 15th, 2020

Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATV’s, Jet Ski’s

New

YearTermsAPR as low as*Min Loan Amount
2020 – 2016up to 72 mos4.24%$3,000
(Never Titled)up to 84 mos4.34%$10,000
up to 144 mos4.84%$19,000
up to 180 mos5.19%$28,000

Used

YearTermsAPR as low as*Min Loan Amount
2019 – 2015up to 72 mos4.54%$3,000
up to 84 mos5.04%$10,000
up to 144 mos5.54%$19,000
up to 180 mos5.94%$28,000
2014 – 2013up to 72 mos6.25%$3,000
up to 84 mos6.50%$10,000
up to 144 mos6.75%$19,000
up to 180 mos6.89%$28,000

Estimate your monthly payment with our Loan Calculators !

All used collateral older than 2013 will be considered on an individual basis. *APR = Annual Percentage Rate. Rates may vary depending on credit history.

Mortgage Rates

Rates as of April 15th, 2020

To View Mortgage Loan Rates Click Here

To View Home Equity Loan Rates Click Here

Visa Rates

Rates as of April 15th, 2020

IndexAPR*Terms
Visa Platinum-Variable ($5000 – $30,000)Prime rate + 4.50%7.75%No fee – Minimum payments are 2% of the balance or $25, whichever is greater.
Visa Platinum-Fixed ($5000 – $30,000)Fixed Rate9.90%No fee – Minimum payments are 2% of the balance or $25, whichever is greater.
Visa Classic-Variable (to $4,999)Prime rate + 5.75%9.00%No fee – Minimum payments are 2% of the balance or $25, whichever is greater.
Visa Classic-Fixed (to $4,999)Fixed Rate11.90%No fee – Minimum payments are 2% of the balance or $25, whichever is greater.

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 April 15th, 2020

IndexAPR*Terms
Gold Line (up to $25,000)Variable rate11.00%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 April 15th, 2020

Unsecured Personal Loans

Amount BorrowedAPR*Terms
$500 – $4,9998.40%12 mos – 36 mos
$5,000 – $20,0008.69%12 mos – 36 mos
$5,000 – $20,0008.99%37 mos – 60 mos

Secured Savings Personal Loans

Secured Savings Personal LoansAPR*Terms
Prime Rate**3.25%Any

Estimate your monthly payment with our Loan Calculators !

* APR=Annual Percentage Rate. Your rate may vary depending on past credit history. **APR = Annual Percentage Rate. Rate is based on Prime Rate, which is a variable rate, published in the Wall Street Journal. ***All requests for a term greater than 60 months will be considered on an individual basis.

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