Featured Savings Rates
Featured Accounts

Zeal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.55%5-year CD60 Month CD
0.10%1-year CD12 Month Save to Win CD
0.05%SavingsRegular Share Savings

Overview / Commentary
734-522-3700
29550 5 Mile Rd
Livonia, MI 48154-3710

Zeal Credit Union is headquartered in Livonia and is the 21st largest credit union in the state of Michigan. It is also the 466th largest credit union in the nation. It was established in 1954 and as of March of 2016, it had grown to 137 employees and 59,719 members at 13 locations. Zeal Credit Union has an A+ health rating.

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Reviews (3)

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?

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
A+

Health Grade Components

Overall
NCUA #62426
Year Chartered1954
Employees137
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD7.22%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$548.7MM$532.3MM
LoansQ1 2016vs Q1 2015$281.2MM$270.7MM
DepositsQ1 2016vs Q1 2015$451.1MM$437.0MM
Equity CapitalQ1 2016vs Q1 2015$77.9MM$72.3MM
Loan Loss AllowanceQ1 2016vs Q1 2015$7.1MM$7.0MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.0MM$1.9MM
Real Estate OwnedQ1 2016vs Q1 2015$193.00K$302.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$500k*-Ultra Savings
OTHER TIERS: 0.20% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $500k
0.10%$2,500-High Yield Fund
0.05%$200-Regular Share Savings
0.05%--Vacation Club
0.05%--Christmas Club

Zeal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Dividend Bearing Checking

Zeal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

Zeal Credit Union has 13 locations. Click to view all Zeal Credit Union locations.