Savings & Loan Rates
Savings & Loan Rates
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Savings Rates
Rates as of January 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***** | .30% | $50,000 – $99,999 | Monthly |
| Ultra Savings***** | .40% | $100,000 – $499,999 | Monthly |
| Ultra Savings***** | .50% | $500,000+ | Monthly |
| Money Market****** | .10% | $5,000 – $24,999 | Monthly |
| Money Market****** | .15% | $25,000 – $49,999 | Monthly |
| Money Market****** | .20% | $50,000 – $99,999 | Monthly |
| Money Market****** | .25% | $100,000 – $499,999 | Monthly |
| Money Market****** | .30% | $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 January 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% | 0.25% | Maturity |
| 6 mos. | 0.30% | 0.35% | 0.40% | Maturity |
| 9 mos. | 0.30% | 0.35% | 0.40% | Maturity |
| 12 mos. | 0.50% | 0.55% | 0.60% | Quarterly |
| 15 mos. | 0.50% | 0.55% | 0.60% | Quarterly |
| 18 mos. | 0.60% | 0.65% | 0.70% | Quarterly |
| 24 mos. | 0.70% | 0.75% | 0.80% | Quarterly |
| 30 mos.* | 0.70% | 0.75% | 0.80% | Quarterly |
| 36 mos. | 0.95% | 1.00% | 1.05% | Quarterly |
| 48 mos. | 1.00% | 1.05% | 1.10% | Quarterly |
| 60 mos.* | 1.20% | 1.25% | 1.30% | 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 January 1st, 2021
New & Used: Model Years 2021 – 2017
| Terms | Promotion APR as low as** | Standard APR as low as* | Min Loan Amount | Down Payment |
| up to 60 mos. | 2.14% | $3,000 | 0% – 25% | |
| up to 72 mos. | 2.74% | 2.99% | $3,000 | 0% – 25% |
| up to 84 mos. | 3.99% | 4.24% | $35,000 | 0% – 25% |
Used: Model Years 2016 – 2014
| Terms | Promotion APR as low as** | Standard APR as low as* | Min Loan Amount | Down Payment |
| up to 60 mos. | 3.64% | 3.89% | $3,000 | 0% – 25% |
| up to 72 mos. | 3.69% | 3.94% | $3,000 | 0% – 25% |
Used: Model Years 2013 – 2012
| Terms | Promotion APR as low as** | Standard APR as low as* | Min Loan Amount | Down Payment |
| up to 60 mos. | 4.74% | 4.99% | $3,000 | 0% – 25% |
Used: Model Years 2011 – 2010
| Terms | Promotion APR as low as** | Standard APR as low as* | Min Loan Amount | Down Payment |
| up to 48 mos. | 7.25% | 7.50% | $3,000 | 0% – 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. 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 January 1st, 2021
Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis
New
| Year | Terms | APR as low as* | Min Loan Amount |
| 2021 – 2017 | up to 72 mos. | 4.24% | $3,000 |
| (Never Titled) | up to 84 mos. | 4.34% | $10,000 |
| up to 144 mos. | 4.84% | $19,000 | |
| up to 180 mos | 5.19% | $28,000 |
Used
| Year | Terms | APR as low as* | Min Loan Amount |
| 2020 – 2016 | up to 72 mos. | 4.54% | $3,000 |
| up to 84 mos. | 5.04% | $10,000 | |
| up to 144 mos. | 5.54% | $19,000 | |
| up to 180 mos | 5.94% | $28,000 | |
| 2015 – 2014 | up to 72 mos | 6.25% | $3,000 |
| up to 84 mos | 6.50% | $10,000 | |
| up to 144 mos | 6.75% | $19,000 | |
| up to 180 mos | 6.89% | $28,000 |
Estimate your monthly payment with our Loan Calculators!
All used collateral older than 2014 will be considered on an individual basis.
*APR = Annual Percentage Rate. Rates may vary depending on credit history.
Mortgage Rates
Rates as of January 1st, 2021
To View Mortgage Loan Rates Click Here
To View Home Equity Loan Rates Click Here
VISA Rates
Rates as of January 1st, 2021
| Index | APR* | 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 Rate | 9.90% | 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 Rate | 11.90% | 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 January 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 January 1st, 2021
Unsecured Personal Loans (Holiday Loan, Debt Consolidation)
| Amount Borrowed | APR as low as* | Terms |
| $500 – $4,999 | 5.99% | 12 mos – 36 mos. |
| $5,000 – $20,000 | 8.69% | 12 mos – 36 mos. |
| $5,000 – $20,000 | 8.99% | 37 mos – 60 mos. |
Secured Savings Personal Loans
| Secured Savings Personal Loans | APR 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. **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.
