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Overview / Commentary
17250 Newburgh Rd
Livonia, MI 48152

Zeal Credit Union is headquartered in Livonia and is the 21st largest credit union in the state of Michigan. It is also the 472nd largest credit union in the nation. It was established in 1954 and as of March of 2018, it had grown to 176 employees and 63,277 members at 14 locations. Zeal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Zeal Credit Union is open to anyone through a one-time membership fee ($2) to CSI Support and Development Services.
See current membership details

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Reviews (8)

I Love Zeal Credit Union

Posted by: Heralthor | Aug 31, 2017

I have been with Zeal for nearly ten years and I have never been dissatisfied. There were moments in my life where I had two dollars in my checking account and they never once gave me a surcharge. They aren't out for your money, they're out to make you their customer. Of course, there are a few annoyances with their security, but the complaint pertains to how overly secure they are with giving access to my accounts. Overall though, I'd rather have a more secure bank than a less secure one. I use them for my Savings and checking and both are flawless and I've never had to pay a single cent in fees or surcharges. I also have a secured credit card though them and it is helping me build my credit back to what it used to be. I will probably use my credit union when I need a car loan or a mortgage.

Zeal Cu Review.

never had a problem with Zeal C.U. approved my loan quick, on-line bill pay is easy, and the staff are friendly. wish thier were more full serve branches though. especially in Monroe,Mich. OH! by the way...Don't forget to see that Jolly ole fella JON LYBECK of Cunamutal.com for all your investment needs. A straight-up honest guy.

Issue with saving bonds needed to be cashed.

I had had a credit union account for ten years. I had previously left Bank of America because always had to wait 7 days for my pay checks to be cashed. Also the return on my savings account was much less at the bank then what the credit union was offering. Then my grandmother passed and i found myself with needing to cash bonds i inherited. When went to my credit union with my bonds i was in disbelief when i was told only a bank could cash them. So i stated that i no longer need an account here because if i have to have a bank cash them well i may as well invest my money there. Since i will have to open an account. So the story ends i have been with PNC bank for 5 years now.

Over Draft Protection Or Lack Of

Posted by: Anonymous | Apr 28, 2012

I have been a Co-Op services member for almost 20 years, and in general have always been happy with all services offered and the execution of these services........
I have recently decided to close all accounts and shift service to another bank based on one
reason..... and this happens once every year to 2 years.
They refuse to offer any draft protection that draws from you savings account. The offer a service
(so they call it ) that if you over draft they pay it anyway and merely charge you 30.00. Well this
is how that service really works ( mostly for them ). Your over draft goes through and places your account in the negative ( for good reason, you over drafted ) and now every charge or withdraw you make until you figure out you have over drafted gets its own 30.00 fee. So you can easily rack up 100-200.00 in fees over a week end until you figure it out, and the charge may have been a bunch of 5.00, 15.00 charges, each one still gets a 30.00 fee.
The old way was they would not put it through, you would be charged by them and the business (okay two charges) but at least your small charges are still covered. In other words they allow you to drain your account through honest mistake , and take advantage of it. (my cases were automatic yearly withdrawals that I missed)
When asked to go to savings protected over draft, I have been told each year for 4 years, " we don't have it, they are working on getting that instituted"......REALLY! 4 YEARS and can't institute a savings protection? Oh but wait... they did institute a LINE OF CREDIT protection this year, you can apply for a line of credit and that will protect your over draft.....again REALLY! Do you think we are total idiots? They are manipulating us into getting lines of credit that they hope we will run up for all kinds of reason other then overdraft, and this is possible but not savings overdraft?

Terrible Service And A Rip Off

Hey Everyone, this credit union should be investigated like someone mentioned. I refinanced a car with them. I paid my car on time for 3 years. They forced their high insurance on me and added into my note. I refused to pay for their forced insurance but continued paying my car note on time. Since I wasn't paying their insurance, they repossessed my car. I paid 3vyears on time for nothing. They also ruin my credit. Don't go there first cars. They will give you a loan quick but the penalty afterward is not worth it. Come to find out that a lot of banks are during the same and now being sued under a class action lawsuit. Don't go to Zeal. And please don't deal with Nina Brooks. She was terrible. I give thumbs down to Zeal Credit Union. Please people, this is a warning. Don't go there.

Terrible Service

I have an auto loan through Zeal and they make it next to impossible to pay them. They don't allow you to set up auto-pay unless you bank with them (which you SHOULDN'T because then ALL your financial endeavors would be terrible) and when you call to pay, they put you on hold for over an hour. When someone finally comes on the line, they make you verify who you are by asking literally 15 questions - dude, if someone wants to PAY MY BILL... LET THEM!!!!!!

Horrible Bank

This bank needs to be investigated for banking fraud. The executive staff moves money around within the bank and threatens employees. Anyone who banks here is supporting unethical and illegal activity.

Bad Service

Posted by: RuthJ1 | Aug 25, 2015

I tried calling the local branch where I have my account and a relationship with the team there but you are no longer able to call the branch's directly and have to call the 800 number, where I spoke to a representative who was very short with me and of no help with my issue this new Zeal is less than passionate towards there customers.


Health Grade Components

NCUA #62426
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD6.9%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$603.8MM$582.2MM
LoansQ1 2018vs Q1 2017$307.1MM$287.2MM
DepositsQ1 2018vs Q1 2017$505.4MM$480.1MM
Equity CapitalQ1 2018vs Q1 2017$81.1MM$83.3MM
Loan Loss AllowanceQ1 2018vs Q1 2017$5.0MM$4.4MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$3.2MM$2.4MM
Real Estate OwnedQ1 2018vs Q1 2017$415.00K$143.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Zeal Credit Union Savings Account Rates

0.40%*$500k*-Ultra Savings
OTHER TIERS: 0.20% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $500k
0.10%$2.5k-High Yield Fund
0.05%$200-Regular Share Savings
0.05%--Vacation Club
0.05%--Christmas Club

Zeal Credit Union Money Market Rates

0.30%*$500k*-Money Market Account
OTHER TIERS: 0.10% $5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $500k

Zeal Credit Union Checking Account Rates

0.05%$1k-Dividend Bearing Checking

Zeal Credit Union CD Rates

1.55%*$100k*-60 Month CD
OTHER TIERS: 1.45% $500 - $25k | 1.50% $25k - $100k
1.35%*$100k*-48 Month CD
OTHER TIERS: 1.25% $1k - $25k | 1.30% $25k - $100k
1.10%*$100k*-36 Month CD
OTHER TIERS: 1.00% $1k - $25k | 1.05% $25k - $100k
0.85%*$100k*-24 Month CD
OTHER TIERS: 0.75% $1k - $25k | 0.80% $25k - $100k
0.85%*$100k*-30 Month CD
OTHER TIERS: 0.75% $100 - $25k | 0.80% $25k - $100k
0.65%*$100k*-12 Month CD
OTHER TIERS: 0.55% $1k - $25k | 0.60% $25k - $100k
0.65%*$100k*-15 Month CD
OTHER TIERS: 0.55% $1k - $25k | 0.60% $25k - $100k
0.65%*$100k*-18 Month CD
OTHER TIERS: 0.55% $1k - $25k | 0.60% $25k - $100k
0.40%*$100k*-9 Month CD
OTHER TIERS: 0.30% $1k - $25k | 0.35% $25k - $100k
0.35%*$100k*-6 Month CD
OTHER TIERS: 0.25% $1k - $25k | 0.30% $25k - $100k
0.25%*$100k*-91 Day CD
OTHER TIERS: 0.20% $1k - $100k
0.10%$25-12 Month Save to Win CD

Zeal Credit Union IRA Rates

1.55%*$100k*-60 Month IRA
OTHER TIERS: 1.45% $500 - $25k | 1.50% $25k - $100k
1.35%*$100k*-48 Month IRA
OTHER TIERS: 1.25% $500 - $25k | 1.30% $25k - $100k
1.10%*$100k*-36 Month IRA
OTHER TIERS: 1.00% $500 - $25k | 1.05% $25k - $100k
0.85%*$100k*-24 Month IRA
OTHER TIERS: 0.75% $500 - $25k | 0.80% $25k - $100k
0.85%*$100k*-30 Month IRA
OTHER TIERS: 0.75% $100 - $25k | 0.80% $25k - $100k
0.65%*$100k*-12 Month IRA
OTHER TIERS: 0.55% $500 - $25k | 0.60% $25k - $100k
0.65%*$100k*-15 Month IRA
OTHER TIERS: 0.55% $500 - $25k | 0.60% $25k - $100k
0.65%*$100k*-18 Month IRA
OTHER TIERS: 0.55% $500 - $25k | 0.60% $25k - $100k
0.40%*$100k*-9 Month IRA
OTHER TIERS: 0.30% $500 - $25k | 0.35% $25k - $100k
0.35%*$100k*-6 Month IRA
OTHER TIERS: 0.25% $500 - $25k | 0.30% $25k - $100k
0.25%*$100k*-91 Day IRA
OTHER TIERS: 0.20% $500 - $100k
0.10%$500-12 Month Save to Win IRA


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