Savings & Loan Rates
Savings & Loan Rates
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Savings Rates
| Account APY* | Minimum | Dividends Paid | |
|---|---|---|---|
| Regular Share2 | 0.05% | $5.00 | Quarterly |
| Dividend Bearing Checking3 | 0.05% | $1,000 | Monthly |
| Vacation Club | 0.05% | None | Quarterly |
| Christmas Club | 0.05% | None | Quarterly |
| High Yield Fund | 0.20% | $2,500 | Monthly |
| Ultra Savings4 | 0.50% | $25,000 – $49,999.99 | Monthly |
| Ultra Savings4 | 0.60% | $50,000 – $99,999.99 | Monthly |
| Ultra Savings4 | 0.70% | $100,000 – $499,999.99 | Monthly |
| Ultra Savings4 | 0.80% | $500,000 or more | Monthly |
| Money Market5 | 0.30% | $5,000 – $24,999.99 | Monthly |
| Money Market5 | 0.40% | $25,000 – $49,999.99 | Monthly |
| Money Market5 | 0.50% | $50,000 – $99,999.99 | Monthly |
| Money Market5 | 0.60% | $100,000 – $499,999.99 | Monthly |
| Money Market5 | 0.70% | $500,000+ | Monthly |
Click here for our 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. Rates good as of May 1, 2025.
2 $199 combined savings balance required to avoid a minimum balance fee.
3 $1,000 combined savings balance required to avoid a minimum balance fee.
4 $25,000 daily balance required to avoid minimum balance fee.
5 $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. Deposit products are Federally Insured up to $250,000 by the NCUA, a U.S. Government Agency.
CDs & IRA Rates
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 | 1.00% | 1.10% | 1.20% | Maturity |
| 6 mos. | 1.60% | 1.70% | 1.80% | Maturity |
| 9 mos. | 1.70% | 1.80% | 1.90% | Maturity |
| 12 mos. | 1.80% | 1.90% | 2.00% | Quarterly |
| 15 mos. | 1.80% | 1.90% | 2.00% | Quarterly |
| 18 mos. | 1.80% | 1.90% | 2.00% | Quarterly |
| 24 mos. | 1.90% | 2.00% | 2.10% | Quarterly |
| 30 mos.* | 1.90% | 2.00% | 2.10% | Quarterly |
| 36 mos. | 2.00% | 2.10% | 2.20% | Quarterly |
| 48 mos. | 2.10% | 2.20% | 2.30% | Quarterly |
| 60 mos.* | 2.20% | 2.30% | 2.40% | Quarterly |
See how much you can save with our Savings Calculators!
*Rates as of May 1, 2025. 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.
Auto Loan Rates
New & Used Auto Loans
| APR* | Term |
|---|---|
| as low as | up to 48 months |
| as low as 5.74% | 49 – 60 months |
| as low as 5.99% | 61 – 72 months |
| as low as 6.74% | 73 – 84 months |
| as low as 7.24% | 85 – 96 months |
| as low as 7.74% | 97 – 120 months |
Call or come into your local Zeal branch for a specialized quote!
Estimate your monthly payment with our Loan Calculators!
*APR= Annual Percentage Rate. Subject to credit approval. Rates current as of 5/18/2025 and are subject to change without notice. Your APR and other terms will be based on your creditworthiness and age of vehicle. As low as APR reflects A+ credit, a 0.25% rate discount, and a vehicle model 2021 or newer. Rate discount available to approved borrowers who enroll in automatic payments from their Zeal Credit Union checking account. Other rates and terms are available. The minimum loan amount is $3,000. A down payment of 0% – 25% is required based on your credit score. Other restrictions may apply.
Classic Car Auto Loans
| APR* | Term |
|---|---|
| as low as 6.99% | Up to 84 months |
| as low as 7.49% | 85 – 96 months |
| as low as 7.99% | 97 – 120 months |
Call or come into your local Zeal branch for a specialized Classic Auto quote!
Estimate your monthly payment with our Loan Calculators!
*APR= Annual Percentage Rate. Classic Auto defined as listed in the J.D. Power Classic Car Book. Rates current as of 5/18/2025 and are subject to change without notice. Subject to credit approval. Your APR and other terms will be based on your creditworthiness and age of vehicle. As low as APR reflects A+ credit. Other rates and terms are available. The minimum loan amount is $3,000. A down payment of 0% – 25% is required based on your credit score. Other restrictions may apply.
RV, Boat, & Motorsport Loan Rates
Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis
| APR* | Term |
| as low as | Up to 60 months |
| as low as 6.49% | 61 – 120 months |
| as low as 6.99% | 121 – 180 months |
| as low as 7.49% | 181 – 240 months |
Call or come into your local Zeal branch for a specialized quote!
Estimate your monthly payment with our Loan Calculators!
*APR= Annual Percentage Rate. Subject to credit approval. Rates current as of 5/18/2025 and are subject to change without notice. Your APR and other terms will be based on your credit worthiness and age of vehicle. Promotional as low as rate of APR reflects A+ credit, a 0.25% rate discount, and vehicle model year 2021 or newer. Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking account. The minimum loan amount is $3,000. A down payment of 0% – 25% is required based on your credit score. Other restrictions may apply. Other rates, model years, and terms are available upon request.
Mortgage Rates
Click here to view Mortgage Loan Rates
Home Equity Loan Rates
Home Equity Loan – Fixed Rate
| APR* | Term |
| as low as 5.50% | 5 Year Term |
| as low as 6.25% | 10 Year Term |
| as low as 7.00% | 15 Year Term |
| as low as 7.75% | 20 Year Term |
*APR = Annual Percentage Rate. Rates current as of 5/18/2025 and are subject to change without notice. Zeal Credit Union is an equal opportunity lender. Actual rate based on member’s creditworthiness, loan amount, loan to value, and term. Advertised rates are for informational purposes. Rates are subject to change at any time and without notice. For the most up to date rate information, please contact a Zeal mortgage representative directly. Fixed Closed Home Equity Maximum Loan to Value is 90%. Property must be in the State of Michigan. The minimum amount is $10,000 and maximum amount is $250,000. Homeowner’s property insurance is required, and flood insurance may be required. Other restrictions may apply. Membership eligibility is required.
Home Equity Loan – Line of Credit
| Loan Type | APR* |
| Home Equity Line of Credit | as low as 7.50% APR** |
**APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity lender. Variable Rate Home Equity Line of Credit ranges from a minimum of 7.50%, which is the current prime market rate as of May 1, 2025. This rate is subject to change with a maximum of no more than 18%. Actual rate is based on loan amount, loan to value, and individual creditworthiness. Advertised rates are for informational purposes. Rates are subject to change at any time and without notice. For the most up to date rate information, please contact a Zeal mortgage representative directly. Home Equity Line of Credit Maximum Loan to Value 95%. Property must be in the State of Michigan. The minimum amount is $10,000 and maximum amount is $250,000. Homeowner’s property insurance is required, and flood insurance may be required. Other restrictions may apply. Membership eligibility is required.
Call or come into your local Zeal branch for a specialized quote!
Get Started Today! To start your application and learn more, visit our Home Equity page.
Zeal Credit Union is Federally Insured by NCUA. Mortgage Center is an Equal Housing Lender, NMLS# 282701.
VISA Rates
| Loan Type | APR* as low as | Terms |
|---|---|---|
| Visa Platinum – Variable | as low as 12.00% APR* | No fee – Min. payments are 2% of the balance or $25, whichever is greater. |
| Visa Platinum – Fixed | as low as 9.90% APR* | No fee – Min. payments are 2% of the balance or $25, whichever is greater. |
| Visa Classic – Variable | as low as 13.25% APR* | No fee – Min. payments are 2% of the balance or $25, whichever is greater. |
| Visa Classic – Fixed | as low as 11.90% APR* | No fee – Min. payments are 2% of the balance or $25, whichever is greater. |
Call or come into your local Zeal branch for a specialized quote!
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. Rates valid as of May 1, 2025. No annual fee. No minimum finance charge. No transaction fee for purchases or cash advances.
Gold Line Rate
Rates as of May 1, 2025
| Loan Type | APR* as low as | Terms |
| Gold Line | as low as 11.50% | 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. Rate good as of May 1, 2025. No annual fee. No minimum finance charge. No transaction fee for purchases or cash advances
Personal Loan Rates
Unsecured Personal Loan
| Loan Type | APR* | Term |
| Unsecured Personal Loan (< $5,000) | as low as 9.99% | 12 – 48 months |
| Unsecured Personal Loan ($5,000 or more) | as low as 10.99% | 12 – 60 months |
| Unsecured Personal Loan ($5,000 or more) | as low as 11.49% | 61 – 72 months |
| Unsecured Personal Loan ($5,000 or more) | as low as 12.49% | 73 – 84 months |
*APR = Annual Percentage Rate. Rates as low as 9.99% APR as of May 1, 2025 based on a term of 48 months, a total loan amount under $5,000 with A+ credit. Actual rate is based on applicant’s creditworthiness, term, and loan amount. Loan cannot be used to refinance existing Zeal Credit Union loans. Rate subject to change. Other restrictions may apply. Payment example: $4,999 for 48 months at 9.99% has payments of $126.76 per month.
Fresh Start Loans
Solutions for a Fresh Start – (zealcu.org)
| Fresh Start Loan Products | APR* | Term |
| Need It Loan | 16.25% | Term up to 48 months |
| Build It Loan | 9.99% | Term up to 12 months |
*APR = Annual Percentage Rate. Need It Personal Loan Rate is 16.25% APR as of May 1, 2025. The repayment period for a Need It loan ranges from 12 months to 48 months. Qualification based on applicant’s creditworthiness. Other personal loan rates and terms available base on applicant’s creditworthiness, term, and loan amount. Loan cannot be used to refinance existing Zeal Credit Union loans. Rates subject to change. Other restrictions may apply. Payment example: $1,000 for 12 months at 16.25% has payments of $90.85 per month. See Solutions for a Fresh Start – (zealcu.org) for details.
*APR = Annual Percentage Rate. Build it loan rate is 9.99% for a loan of $1,000 with a 12-month repayment term as of May 1, 2025. Qualification based on applicant’s creditworthiness. Other secure savings personal loan (Share Pledge Loan) rates and terms available and subject to credit approval. Loan cannot be used to refinance existing Zeal Credit Union loans. Other restrictions may apply. Rates subject to change. Other restrictions may apply. Payment Example: $1,000 for 12 months at 9.99% is $87.91. See Solutions for a Fresh Start – (zealcu.org) for details.
Share Pledge Loan
| Loan Type | APR* | Terms |
|---|---|---|
| Share Pledge Loan | Rate as low as 2% over the share pledged at time of closing* | Up to 84 months |
*APR = Annual Percentage Rate. Rate good as of May 1, 2025. Other restrictions may apply. Rate is 2% over our lowest share rate (not checking) at time of closing. If CD, loan term must be within CD term.
Estimate your monthly payment with our Loan Calculators!
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