Savings & Loan Rates

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Savings Rates

Rates as of June 1st, 2021

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*****.20%$25,000 – $49,999Monthly
Ultra Savings*****.25%$50,000 – $99,999Monthly
Ultra Savings*****.30%$100,000 – $499,999Monthly
Ultra Savings*****.35%$500,000+Monthly
Money Market******.10%$5,000 – $24,999Monthly
Money Market******.15%$25,000 – $49,999Monthly
Money Market******.15%$50,000 – $99,999Monthly
Money Market******.15%$100,000 – $499,999Monthly
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 – $99,999Over $100,000Dividends Paid
91 days0.20%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 June 1st, 2021

New & Used: Model Years 2021 – 2017
TermsPromotion APR as low as**Standard APR as low as*Min Loan AmountDown Payment
up to 60 mos.1.89%2.14%$3,0000% – 25%
up to 72 mos.2.74%2.99%$3,0000% – 25%
up to 84 mos.3.74%3.99%$30,0000% – 25%
Used: Model Years 2016 – 2014
TermsPromotion APR as low as*Standard APR as low as*Min Loan AmountDown Payment
up to 60 mos.3.64%3.89%$3,0000% – 25%
up to 72 mos.3.69%3.94%$3,0000% – 25%
Used: Model Years 2013 – 2012
TermsPromotion APR as low as*Standard APR as low as*Min Loan AmountDown Payment
up to 60 mos.4.74%4.99%$3,0000% – 25%
Used: Model Years 2011 – 2010
TermsPromotion APR as low as*Standard APR as low as*Min Loan AmountDown Payment
up to 48 mos.7.25%7.50%$3,0000% – 25%

Estimate your monthly payment with our Loan Calculators!

All used collateral older than 2010 will be considered on an individual basis.

*APR = Annual Percentage Rate. Promotional rates as low as 1.89% 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 2017 or newer. Other rates and terms are available. Other restrictions may apply.

RV, Boat & Motorsport Loan Rates

Rates as of June 1st, 2021

Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis
YearTermsAPR as low as* Promo APR as low as*Min Loan Amount
2021 – 2017up to 60 mos.4.24% 3.99%$3,000
up to 120 mos.4.74% 4.49%$10,000
up to 180 mos.5.24% 4.99%$20,000
up to 240 mos5.74% 5.49%$50,000
Year TermsAPR as low as* Promo APR as low as*Min Loan Amount
2016 – 2011 up to 60 mos.4.49% 4.24%$3,000
up to 120 mos.4.99% 4.74%$10,000
up to 180 mos.5.49% 5.24%$20,000
up to 240 mos.5.99% 5.74%$50,000

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 3.99% 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

Rates as of March 18th, 2021

Click here to view Mortgage Loan Rates

Click here to View Home Equity Loan Rates

VISA Rates

Rates as of June 1st, 2021

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 June 1st, 2021

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 October 14, 2021

Unsecured Personal Loans
Amount BorrowedAPR as low as*Terms
$500 – $5,000 (Holiday Loan*** )4.99% 12 mos – 36 mos.
$500 – $4,9995.99%12 mos – 48 mos.
$5,000 – $20,0007.49%12 mos – 60 mos.
Secured Savings Personal Loans
Secured Savings Personal LoansAPR as low as*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.

**Rate is based on Prime Rate, which is a variable rate, published in the Wall Street Journal.

*** APR = Annual Percentage Rate. Holiday Loan Promotional rates as low as 4.99% APR on personal loans up to $5,000. Maximum repayment term is 36 months. 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, 2021.

All requests for a term greater than 60 months will be considered on an individual basis.