Savings & Loan Rates

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Savings Rates

Rates as of June 1st, 2021

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 0.10% $2,500 Monthly
Ultra Savings5 0.10% $1,000 – $24,000 Monthly
Ultra Savings5 0.20% $50,000 – $99,000 Monthly
Ultra Savings5 0.25% $100,000 – $499,999 Monthly
Ultra Savings5 0.35% $500,000+ Monthly
Money Market6 0.10% $5,000 – $24,999 Monthly
Money Market6 0.15% $25,000 – $49,999 Monthly
Money Market6 0.15% $50,000 – $99,000 Monthly
Money Market6 0.15% $100,000 – $499,999 Monthly
Money Market6 0.15% $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.
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 $199 combined savings balance required to avoid a minimum balance fee.
5 $25,000 daily balance required to avoid minimum balance fee.
6 $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% 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. 0.50% 0.50%0.55% Quarterly
18 mos. 0.50% 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 January 1, 2023

New & Used: Model Years 2019 and Newer
Terms Promotion APR as low as** Standard APR as low as* Min. Loan Amount Down Payment
up to 60 mos. 5.49% 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 2016 – 2018
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 – 2015
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 – 2013
Terms Promotion APR as low as** Standard APR as low as* Min. Loan Amount Down Payment
up to 48 mos. 8.34% 8.59% $3,000 0-25%

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 5.49% 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 January 1, 2023

Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis
Year Terms APR as low as* Promo. APR as low as** Minimum Loan Amount
2019 and Newer 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** Minimum Loan Amount
2013 – 2018 up to 60 mos. 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 2013 will be considered on an individual basis.

*APR = Annual Percentage Rate. **Promotional rates as low as 5.49% 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 December 15, 2022

Index APR* Terms
Visa Platinum-Variable ($5,000 – $30,000) Variable (Prime rate + 4.50%) 12.00%No fee – Min. payments are 2% of the balance – or $25, (whichever is greater.)
Visa Platinum-Fixed ($5,000 – $30,000) Fixed Rate 9.90%No fee – Min. payments are 2% of the balance – or $25, (whichever is greater.)
Visa Classic-Variable (to $4,999) Variable (Prime rate + 5.75%) 13.25%No fee – Min. payments are 2% of the balance – or $25, (whichever is greater.)
Visa Classic-Fixed (to $4,999) Fixed Rate 11.90%No fee – Min. 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 December 15, 2022

Index APR* Terms
Gold Line (up to $25,000) Variable rate 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. No annual fee. No minimum finance charge. No transaction fee for purchases or cash advances

Personal Loan Rates

Rates as of January 1, 2023

Unsecured Personal Loans
Amount Borrowed APR as low as* Terms
**Debt Consolidation Loan: Up to $5,000 8.99% 12 mos. – 48 mos.
$500 – $4,999 8.99% 12 mos. – 48 mos.
$5,000 – $20,000 9.49% 12 mos. – 48 mos.
Secured Savings Personal Loans
Amount Borrowed APR as low as* Terms
Borrow Any Amount 7.50% 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.

**APR = Annual Percentage Rate. Rates as low as 8.99% APR as of 1/1/2023 on Debt Consolidation loans up to $5,000. Actual rate is based on applicant’s creditworthiness. The Debt Consolidation loan cannot be used to refinance existing Zeal Credit Union loans. Rate subject to change. Other restrictions may apply. Payment example: $5,000, for 48 months at 8.99% has payments of $124.43 per month