--- title: "Zeal Credit Union Rates - Michigan" description: "Current vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Zeal Credit Union in Michigan. Updated daily with source verification. See who can join Zeal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/zeal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Zeal Credit Union Rates - Michigan ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Auto Loans (Terms up to 60 months)** auto_any_60mo | — APR | 4.740% | 60 mo · any | Standard | | **New & Used Auto Loans (Terms 61 - 72 months)** auto_any_72mo | — APR | 5.240% | 72 mo · any | Standard | | **RV, Boat, & Motorsport Loan Rates (Up to 60 months)** rv_any_60mo | — APR | 5.990% | 60 mo | Standard | | **New & Used Auto Loans (Terms 73 - 84 months)** auto_any_84mo | — APR | 5.990% | 84 mo · any | Standard | | **New & Used Auto Loans (Terms 85 - 96 months)** auto_any_96mo | — APR | 6.490% | 96 mo · any | Standard | | **RV, Boat, & Motorsport Loan Rates (61 - 120 months)** rv_any_120mo | — APR | 6.490% | 120 mo | Standard | | **New & Used Auto Loans (Terms 97 - 120 months)** auto_any_120mo | — APR | 6.990% | 120 mo · any | Standard | | **Classic Car Auto Loans (Up to 84 months)** auto_any_84mo | — APR | 6.990% | 84 mo | Standard | | **RV, Boat, & Motorsport Loan Rates (121 - 180 months)** rv_any_180mo | — APR | 6.990% | 180 mo | Standard | | **Classic Car Auto Loans (85 - 96 months)** auto_any_96mo | — APR | 7.490% | 96 mo | Standard | | **RV, Boat, & Motorsport Loan Rates (181 - 240 months)** rv_any_240mo | — APR | 7.490% | 240 mo | Standard | | **Classic Car Auto Loans (97 - 120 months)** auto_any_120mo | — APR | 7.990% | 120 mo | Standard | Zeal Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.500% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.250% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.000% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | | **20-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.750% | — | Standard | Zeal Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Build It Loan** personal_unsecured_12mo | — APR | 9.990% | 12 mo | Standard | | **Unsecured Personal Loan (< $5,000)** personal_unsecured_48mo | — APR | 9.990% | 48 mo | Standard | | **Unsecured Personal Loan ($5,000 or more)** personal_unsecured_60mo | — APR | 10.990% | 60 mo | Standard | | **Unsecured Personal Loan ($5,000 or more)** personal_unsecured_72mo | — APR | 11.490% | 72 mo | Standard | | **Unsecured Personal Loan ($5,000 or more)** personal_unsecured_84mo | — APR | 12.490% | 84 mo | Standard | Zeal Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Visa Platinum - Fixed** credit_card_platinum | — APR | 9.900% | — | Standard | | **Visa Platinum - Variable** credit_card_platinum | — APR | 11.500% | — | Standard | | **Visa Classic - Fixed** credit_card | — APR | 11.900% | — | Standard | | **Visa Classic - Variable** credit_card | — APR | 12.750% | — | Standard | Zeal Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Regular Share 2** savings | — APY | 0.05% | — | Standard | | **Dividend Bearing Checking 3** checking | — APY | 0.05% | — | Standard | | **High Yield Fund** savings | — APY | 0.20% | — | Standard | | **Money Market 5** money_market | — APY | 0.30% | — | Standard | | **Ultra Savings 4** savings | — APY | 0.50% | — | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (91 days)** ira_cd | — APY | 1.00% | — | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (6 mos.)** ira_cd_6mo | — APY | 1.60% | 6 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (9 mos.)** ira_cd_9mo | — APY | 1.70% | 9 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (12 mos.)** ira_cd_12mo | — APY | 1.80% | 12 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (18 mos.)** ira_cd_18mo | — APY | 1.80% | 18 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (15 mos.)** ira_cd_15mo | — APY | 1.80% | 15 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (30 mos.*)** ira_cd_30mo | — APY | 1.90% | 30 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (24 mos.)** ira_cd_24mo | — APY | 1.90% | 24 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (36 mos.)** ira_cd_36mo | — APY | 2.00% | 36 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (48 mos.)** ira_cd_48mo | — APY | 2.10% | 48 mo | Standard | | **Certificates of Deposit and IRA Certificates - Annual Percentage Yields (APY) (60 mos.*)** ira_cd_60mo | — APY | 2.20% | 60 mo | Standard | Zeal Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Gold Line** other | — % | 11.000% | — | Context only | | **Need It Loan** other | — % | 16.250% | — | Standard | Zeal Credit Union other rates as of November 12, 2026 Zeal Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/zeal) , verified from [Zeal Credit Union's official website](https://www.zealcu.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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 Financial** Livonia Branch · Livonia · MI · 48152 About 0.2 miles away](https://rateapi.dev/credit-unions/michigan/christian-financial) [**Michigan Schools and Government** Livonia · Livonia · MI · 48152 About 1.0 miles away](https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government) [**Michigan Columbus** Main 30419 6 Mile Rd · Livonia · MI · 48152-3460 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/michigan-columbus) [**Community Choice** 10 Livonia Member Center · Livonia · MI · 48154-2848 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/community-choice) [**DFCU Financial** DFCU - Livonia · Livonia · MI · 48152-1114 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Lake Michigan** Livonia · Livonia · MI · 48152 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Zeal Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer associated employer groups or organized groups - Association Cooperative Services Inc. Verified from [Zeal Credit Union's membership page](https://www.zealcu.org/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Zeal Credit Union Employers 2 · Associations · Family 4 published paths to membership, last verified August 21, 2026, quoted from Zeal Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Zeal Credit Union “Employment at Zeal Credit Union.” > [source ↗](https://www.zealcu.org/become-a-member/) - Employee of Zeal Credit Union - Employee of associated employer groups or organized groups - Work Location State of Michigan “Employment at one of our associated employer groups or organized groups located in the state of Michigan.” > [source ↗](https://www.zealcu.org/become-a-member/) - Employee of associated employer groups or organized groups and Works at State of Michigan ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Cooperative Services Inc. “Cooperative Services Inc.” > [source ↗](https://www.zealcu.org/become-a-member/) - Member of Cooperative Services Inc. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family “Any members and immediate families of the aforementioned qualifications listed above.” > [source ↗](https://www.zealcu.org/become-a-member/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Zeal Credit Union? Yes No ## 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. - See which AI assistants fetched Zeal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=zeal&state=michigan&code=MI&name=Zeal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join Zeal Credit Union? Zeal Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 employers and 1 association for Zeal Credit Union, each quoted from Zeal Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Zeal Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.zealcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Zeal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Zeal Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /zeal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Zeal Credit Union locations Search, filter, and browse all 18 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/zeal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp