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iAdvertiser Disclosure
Advertiser Disclosure
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 Zeal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Zeal Credit Union's savings rates are at 0.80%. Zeal Credit Union's money market rates are at 0.70%. Zeal Credit Union's checking rates are as high as 0.05%. Zeal Credit Union's Personal Loan Rates are as low as 9.99%. Zeal Credit Union's savings rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Zeal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.89%. Rates last updated and verified on 10/29/2026. Zeal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Zeal Credit Union? Share your experience about Zeal Credit Union by leaving a review below, or read customer reviews before you decide to use Zeal Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Zeal Credit Union Savings Rates
Zeal Credit Union Money Market Rates
Zeal Credit Union Checking Rates
Zeal Credit Union Home Equity & HELOC
Zeal Credit Union Auto Loan Rates
Zeal Credit Union Personal Loan Rates
Zeal Credit Union Other Rates
Financial Health HistoryZeal Credit Union’s Texas Ratio rose from 4.19% in Q3 2023 to 4.89% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Zeal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Zeal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Zeal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Zeal Credit Union
Website
https://www.zealcu.org
Address
17250 Newburgh Rd,
Livonia, MI 48152-2618
Phone
734-522-3700
Fax
734-466-6151
President
Michael O'Hehir
CEO
Julie Kreinbring
Full-Time Employees
163
Part-Time Employees
12
Branch Locations
19
ATM Locations
18
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.89%
Return on Assets (ROA)
1.3961%
Return on Equity (ROE)
7.0458%
Non-Performing Loans Ratio (NPL)
1.50%
Total Assets
1,060,108,213
Total Amount of Shares and Deposits
843,603,478
Total Shares and Deposits < 1 Year
828,895,646
Total Shares and Deposits 1 3 Years
11,872,640
Total Shares and Deposits > 3 Years
2,835,193
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
53,412,173
Total Uninsured Shares and Deposits > $250K (F+J)
53,412,173
Total Insured Shares and Deposits > $250K (item 17 less item K)
790,191,305
Total Interest Expense (Sum of items 6 8)
1,375,872
Share Certificates
1,273
Number of Accounts for Share Drafts
54,989
IRA KEOGH Accounts
1,532
Number of Accounts for Regular Shares
65,334
All other shares
12
Money Market Shares
2,895
Net Income (unless the amount is already included in Undivided Earnings)
14,794,906
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
124,779,966
Total Liabilities
861,208,964
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Zeal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Zeal Credit Union
Frequently Asked Questions About Zeal Credit UnionWhat is the highest savings rate at Zeal Credit Union?The highest Zeal Credit Union savings rate is its Ultra Savings at 0.80% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Zeal Credit Union?The highest Zeal Credit Union money market rate is its Money Market at 0.70% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Zeal Credit Union?The highest Zeal Credit Union checking rate is its Dividend Bearing Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Zeal Credit Union?The lowest Zeal Credit Union auto loan rate is its Auto Loan at 4.74% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Zeal Credit Union?The lowest Zeal Credit Union personal loan rate is its Unsecured Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Zeal Credit Union operate?Zeal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Zeal Credit Union?Yes, to access services at Zeal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Zeal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Zeal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Zeal Credit Union offer online and mobile banking?Most modern institutions like Zeal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.zealcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Zeal Credit Union rates compare?Zeal Credit Union's savings rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. Zeal Credit Union's top rates are its Ultra Savings at 0.80% APY, its Money Market at 0.70% APY, its Dividend Bearing Checking at 0.05% APY and its Unsecured Personal Loan at 9.99% APR, verified by MonitorBankRates on October 29, 2026. Current Zeal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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