Zeal Credit Union

Livonia, Michigan
Last verified: August 4, 2026
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Verified rate book

Current Zeal Credit Union rates

43 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

12 offers
Zeal Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New & Used Auto Loans (Terms up to 60 months)auto_any_60mo4.740% APR4.740%60 mo · anyStandard
New & Used Auto Loans (Terms 61 - 72 months)auto_any_72mo5.240% APR5.240%72 mo · anyStandard
New & Used Auto Loans (Terms 73 - 84 months)auto_any_84mo5.990% APR5.990%84 mo · anyStandard
RV, Boat, & Motorsport Loan Rates (Up to 60 months)rv_any_60mo5.990% APR5.990%60 moStandard
RV, Boat, & Motorsport Loan Rates (61 - 120 months)rv_any_120mo6.490% APR6.490%120 moStandard
New & Used Auto Loans (Terms 85 - 96 months)auto_any_96mo6.490% APR6.490%96 mo · anyStandard
RV, Boat, & Motorsport Loan Rates (121 - 180 months)rv_any_180mo6.990% APR6.990%180 moStandard
New & Used Auto Loans (Terms 97 - 120 months)auto_any_120mo6.990% APR6.990%120 mo · anyStandard
Classic Car Auto Loans (Up to 84 months)auto_any_84mo6.990% APR6.990%84 moStandard
Classic Car Auto Loans (85 - 96 months)auto_any_96mo7.490% APR7.490%96 moStandard
RV, Boat, & Motorsport Loan Rates (181 - 240 months)rv_any_240mo7.490% APR7.490%240 moStandard
Classic Car Auto Loans (97 - 120 months)auto_any_120mo7.990% APR7.990%120 moStandard

HELOC rates

5 offers
Zeal Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loan (Fixed)heloc_fixed5.500% APR5.500%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed6.250% APR6.250%—Standard
HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed7.000% APR7.000%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed7.750% APR7.750%—Standard

Personal loan rates

5 offers
Zeal Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loan (< $5,000)personal_unsecured_48mo9.990% APR9.990%48 moStandard
Build It Loanpersonal_unsecured_12mo9.990% APR9.990%12 moStandard
Unsecured Personal Loan ($5,000 or more)personal_unsecured_60mo10.990% APR10.990%60 moStandard
Unsecured Personal Loan ($5,000 or more)personal_unsecured_72mo11.490% APR11.490%72 moStandard
Unsecured Personal Loan ($5,000 or more)personal_unsecured_84mo12.490% APR12.490%84 moStandard

Credit card rates

4 offers
Zeal Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Visa Platinum - Fixedcredit_card_platinum9.900% APR9.900%—Standard
Visa Platinum - Variablecredit_card_platinum11.250% APR11.250%—Standard
Visa Classic - Fixedcredit_card11.900% APR11.900%—Standard
Visa Classic - Variablecredit_card12.500% APR12.500%—Standard

Savings & CD rates

15 offers
Zeal Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Dividend Bearing Checking 3savings0.05% APY0.05%—Standard
High Yield Fundsavings0.20% APY0.20%—Standard
Money Market 5money_market0.30% APY0.30%—Standard
Ultra Savings 4savings0.50% APY0.50%—Standard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (91 days)ira_cd1.00% APY1.00%—Standard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (6 mos.)ira_cd_6mo1.60% APY1.60%6 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (9 mos.)ira_cd_9mo1.70% APY1.70%9 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (15 mos.)ira_cd_15mo1.80% APY1.80%15 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (12 mos.)ira_cd_12mo1.80% APY1.80%12 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (18 mos.)ira_cd_18mo1.80% APY1.80%18 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (24 mos.)ira_cd_24mo1.90% APY1.90%24 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (30 mos.*)ira_cd_30mo1.90% APY1.90%30 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (36 mos.)ira_cd_36mo2.00% APY2.00%36 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (48 mos.)ira_cd_48mo2.10% APY2.10%48 moStandard
Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (60 mos.*)ira_cd_60mo2.20% APY2.20%60 moStandard

Other rates

2 offers
Zeal Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Gold Lineother11.000% %11.000%—Standard
Need It Loanother16.250% %16.250%—Standard

Vehicle loans available from 4.74% APR for 60 months. HELOC rates from 5.5% APR. Personal loan rates from 9.99% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 2.20% APY.

Source: RateAPI.dev, verified from Zeal Credit Union's official website

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About Zeal Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
72.8K
Assets
$1.1B
Founded
1954
Locations reported
18
NCUA charter
62426
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Christian FinancialLivonia Branch · Livonia · MI · 48152Branch in the same ZIPDFCU FinancialDFCU - Livonia · Livonia · MI · 48152-1114Branch in the same ZIPLake MichiganLivonia · Livonia · MI · 48152Branch in the same ZIPMichigan ColumbusMain 30419 6 Mile Rd · Livonia · MI · 48152-3460Branch in the same ZIPMichigan Schools and GovernmentLivonia · Livonia · MI · 48152Branch in the same ZIPCommunity Choice10 Livonia Member Center · Livonia · MI · 48154-2848About 1.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Zeal Credit Union

Membership eligibility from Zeal Credit Union's own published criteria. How we verify this.

Membership via employers (associated employer groups or organized groups located in the state of Michigan +1 more) or the Cooperative Services Inc. ($2) or occ…

  • LocationMI
  • Employerassociated employer groups or organized groups located in the state of Michigan, Zeal Credit Union
  • AssociationCooperative Services Inc.
  • Occupationretirees receiving retirement annuity, pension, Social Security, or similar retirement benefits

Cost to join: About $7 (a $2 membership fee plus a $5 minimum deposit).

Verified from Zeal Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Zeal Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Zeal Credit Union ranks against Michigan peers.

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Frequently Asked Questions

What rates does Zeal Credit Union offer?

Zeal Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Zeal Credit Union rates updated?

RateAPI verifies Zeal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Zeal Credit Union's rate data?

Rate data is collected directly from Zeal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Zeal Credit Union's auto & rv loan rates?

As of August 4, 2026, Zeal Credit Union offers vehicle loans from 4.74% APR.

What is Zeal Credit Union's HELOC rate?

As of August 4, 2026, Zeal Credit Union offers home equity lines of credit from 5.5% APR.

What is Zeal Credit Union's personal loan rate?

As of August 4, 2026, Zeal Credit Union offers personal loans from 9.99% APR.

What is Zeal Credit Union's best CD rate?

As of August 4, 2026, Zeal Credit Union offers savings and certificate (CD) yields up to 2.20% APY.

Related Rate Data

Compare Zeal Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Zeal Credit Union rates

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# Get rates for Zeal Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/zeal" \
  -H "Authorization: Bearer YOUR_API_KEY"
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