Savings & Loan Rates

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Savings Rates

Rates as of March 16, 2023

Account APY* Minimum Dividends Paid
Regular Share20.05%$5.00Quarterly
Dividend Bearing Checking30.05%$1,000Monthly
Vacation Club0.05%NoneQuarterly
Christmas Club0.05%NoneQuarterly
High Yield Fund0.20%$2,500Monthly
Ultra Savings40.50%$25,000 – $49,999.99Monthly
Ultra Savings40.60%$50,000 – $99,999.99Monthly
Ultra Savings40.70%$100,000 – $499,999.99Monthly
Ultra Savings40.80%$500,000 or moreMonthly
Money Market50.30%$5,000 – $24,999.99Monthly
Money Market50.40%$25,000 – $49,999.99Monthly
Money Market50.50%$50,000 – $99,999.99Monthly
Money Market50.60%$100,000 – $499,999.99Monthly
Money Market50.70%$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.
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 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 March 16, 2023

Certificates of Deposit and IRA Certificates – Annual Percentage Yields (APY)
Term$1,000 – $24,999$25,000 – $99,999Over $100,000Dividends Paid
91 days1.00%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!

*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 May 9, 2024

New & Used: Model Years 2020 and Newer
TermsPromotion APR as low as*Standard APR as low as*Min. Loan AmountDown Payment
up to 60 mos.5.99%6.24%$3,000 0-25%
up to 72 mos.6.49%6.74%$3,0000-25%
up to 84 mos.7.34%7.59%$30,0000-25%
Used: Model Years 2017 – 2019
TermsPromotion APR as low as*Standard APR as low as*Min. Loan AmountDown Payment
up to 60 mos.7.99%8.24%$3,0000-25%
up to 72 mos.8.49%8.74%$3,0000-25%
Used: Model Years 2015 – 2016
TermsPromotion APR as low as*Standard APR as low as*Min. Loan AmountDown Amount
up to 60 mos.9.00%9.25%$3,0000-25%
Used: Model Years 2013 – 2014
Terms Promotion APR as low as*Standard APR as low as*Min. Loan AmountDown Amount
up to 60 mos.10.85%11.10%$3,0000-25%

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. Subject to credit approval. Your APR will be based on your credit worthiness and age of vehicle. Promotional as low as rate of 5.99% APR reflects A+ credit and a 0.25% rate discount. Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking or savings account. Rates current as of 5/3/2024 and are subject to change without notice. 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 and terms are available.

RV, Boat, & Motorsport Loan Rates

Rates as of May 3, 2024

Boats, Travel Trailers, 5th Wheels and Motorhomes, Motorcycles, Snowmobiles, ATVs, Jet Skis

Used: Model Years 2020 and Newer
TermsPromo. APR as low as* APR as low as*Minimum Loan Amount
up to 60 mos.5.99%6.24%$3,000
up to 120 mos.6.49%6.74%$10,000
up to 180 mos.6.99%7.24%$20,000
up to 240 mos.7.74%7.49%$50,000
Used: Model Years 2014 – 2019
TermsPromo. APR as low as*APR as low as*Minimum Loan Amount
up to 60 mos.6.24%6.49%$3,000
up to 120 mos.6.74%6.99%$10,000
up to 180 mos.7.24%7.49%$20,000
up to 240 mos.7.74%7.99%$50,000

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. Subject to credit approval. Your APR will be based on your credit worthiness and age of vehicle. Promotional as low as rate of 5.99% APR reflects A+ credit and a 0.25% rate discount. Rate discount available to approved borrowers who enroll to have loan payments automatically deducted from their Zeal Credit Union checking or savings account. Rates current as of 5/3/2024 and are subject to change without notice. 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 and terms are available.

Mortgage Rates

Click here to view Mortgage Loan Rates

Home Equity Loan Rates

Rates as of April 1, 2024

Home Equity Loan – Fixed Rate
APR as low as*APR as low as*APR as low as*APR as low as*APR as low as*APR as low as*
5 Year Term < 79.99% LTV5 Year Term 80-90% LTV10 Year Term <79.99% LTV10 Year Term 80-90% LTV15 Year Term <79.99% LTV15 Year Term 80-90% LTV
5.50%5.75%6.25%6.50%7.00%7.25%
*Max LTV 90%

Home Equity Line of Credit (HELOC)
APR as low as**
8.50%**

Home Equity Loan – Fixed Rate:

*APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity. Fixed Closed Home Equity Loan advertised rate of 5.50% is effective as of 4/1/2024. Actual rate based on member’s creditworthiness, loan amount, loan to value, and term. The Home Equity Loan terms are 5, 10, or 15 years. 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.

HELOC Disclaimer:

**APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity lender. Variable Rate Home Equity Line of Credit ranges from a minimum of 8.50%, which is the current prime market rate as of 7/27/2023. 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. For the most up to date rate information, please contact a Zeal Credit Union mortgage representative directly. Other restrictions may apply. Membership eligibility is required.

Get started Today! To start your application and learn more, visit our Home Equity page.

VISA Rates

Rates as of July 27, 2023

Index APR* Terms
Visa Platinum-Variable ($5,000 – $30,000) Variable (Prime rate + 4.50%)13.00%No fee – Min. payments are 2% of the balance -or- $25, whichever is greater.
Visa Platinum-Fixed ($5,000 – $30,000)Fixed Rate9.90%No fee – Min. payments are 2% of the balance -or- $25, whichever is greater.
Visa Classic Variable ($100 – $4,999)Variable (Prime rate + 5.75%)14.25%No fee – Min. payments are 2% of the balance -or- $25, whichever is greater.
Visa Classic-Fixed ($100 – $4,999)Fixed Rate11.90%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 Rate

Rates as of July 27, 2023

Index APR*Terms
Variable rate (Prime rate + 4.00%)12.50%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 May 3, 2024

Unsecured Personal Loan
Amount Borrowed APR as low as* Terms*
$500 – $4,999 9.99% 12 mos. – 48 mos.
$5,000 – $20,000 10.99% 12 mos. – 60 mos.

*APR = Annual Percentage Rate. Rates as low as 9.99% APR as of 5/3/2024. Actual rate is based on applicant’s creditworthiness, term, and loan amount. The repayment period ranges from 12 months to 60 months. 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)

Need It Loan
Amount Borrowed* APR as low as* Terms*
$500 – $4,999 16.25% 12 mos. – 48 mos.

*APR = Annual Percentage Rate. Need It Personal Loan Rate is 16.25% APR as of 5/1/2024. 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.

Build It Loan
Amount Borrowed* APR* Terms*
$1,000 9.99% 12 mos.

*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 5/1/2024. Qualification based on applicant’s creditworthiness. Other secure savings personal 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.

Secured Savings Personal Loan
Amount Borrowed Index APR as low as* Terms
Borrow Any Amount Variable Rate (Based on Prime) 8.50% 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.