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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Zeal Credit Union Rates & Review April 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: April 19, 2026
Zeal Credit Union's 60 mos. CDs of Deposit and IRA CDs - Annual Percentage Yields (APY) rates are at 2.40%, 48 mos. CDs of Deposit and IRA CDs - Annual Percentage Yields (APY) rates are at 2.30%, 36 mos. CDs of Deposit and IRA CDs - Annual Percentage Yields (APY) rates are at 2.20%, 24 mos. CDs of Deposit and IRA CDs - Annual Percentage Yields (APY) rates are at 2.10%, 12 mos. CDs of Deposit and IRA CDs - Annual Percentage Yields (APY) rates are at 2.00%. Zeal Credit Union's savings rates are at 0.50%. Zeal Credit Union's money market rates are at 0.30%. Zeal Credit Union's Personal Loan Rates are at 9.99%. 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 4.08%. Rates were last updated on 04/19/2026. 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. 
Zeal Credit Union CD Rates
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 Credit Card Rates
Zeal Credit Union Personal Loan Rates
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 OHehir
CEO
Julie Kreinbring
Full-Time Employees
131
Part-Time Employees
11
Branch Locations
15
ATM Locations
15
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
4.08%
Return on Assets (ROA)
1.8116%
Return on Equity (ROE)
8.2558%
Non-Performing Loans Ratio (NPL)
1.17%
Total Assets
864,143,264
Total Amount of Shares and Deposits
671,089,145
Total Shares and Deposits < 1 Year
662,169,677
Total Shares and Deposits 1 3 Years
6,738,688
Total Shares and Deposits > 3 Years
2,180,781
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,112,476
Total Uninsured Shares and Deposits > $250K (F+J)
16,112,476
Total Insured Shares and Deposits > $250K (item 17 less item K)
654,976,669
Total Interest Expense (Sum of items 6 8)
1,274,903
Share Certificates
1,354
Number of Accounts for Share Drafts
52,093
IRA KEOGH Accounts
1,450
Number of Accounts for Regular Shares
65,510
Money Market Shares
2,765
Net Income (unless the amount is already included in Undivided Earnings)
15,735,552
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
28,967,155
Total Liabilities
685,895,168
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Zeal Credit UnionIs Zeal Credit Union a safe place to deposit money?Yes, Zeal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0759175467789%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Zeal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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