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Zeal Credit Union


Overview / Commentary
www.zealcu.org
734-522-3700
17250 Newburgh Rd
Livonia, MI 48152

Zeal Credit Union is headquartered in Livonia and is the 25th largest credit union in the state of Michigan. It is also the 482nd largest credit union in the nation. It was established in 1954 and as of June of 2022, it had grown to 130 employees and 66,564 members at 13 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 (11)

I Love Zeal Credit Union

Posted by: |

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.

2

Zeal Cu Review.

Posted by: |

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.

3

Very Dissapointed

Posted by: |

I am very disappointed in Zeal Credit Union. First their wait times to get to a representative are extremely long. Then they are quick to charge you an overdraft fee and wont give you any time to correct it before the fee kicks in. Most banks give you at least 24 hours to make a deposit to correct your overdraft but not Zeal. Within a couple of hours you are hit with a $30 fee even if you are overdrawn by a penny! The only recourse they give you is offering to remove a one-time overdraft fee as a courtesy.

3

Ok At Best

Posted by: |

This place sucks. They have no network at all like other credit unions have. I moved to Ann Arbor and since there are no branches here I thought I could make deposits somewhere else. They never answer their phones. They closed my branch down 2.5 years ago which made zeal pretty much useless to me. Now that Im in AA they are impossible. You know after writing this I don't even think they're a 2.

1
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Health
A+

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #62426
Year Chartered1954
Employees130
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD9.56%
Annual Interest Income$12.0MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$855.8MM$827.3MM
LoansQ2 2022vs Q2 2021$469.5MM$407.6MM
DepositsQ2 2022vs Q2 2021$733.8MM$692.2MM
Equity CapitalQ2 2022vs Q2 2021$104.2MM$103.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$4.5MM$5.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$3.8MM$1.6MM
Real Estate OwnedQ2 2022vs Q2 2021$0$26.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Zeal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.35%*$500k*-Ultra Savings
OTHER TIERS: 0.20% → $25k - $50k | 0.25% → $50k - $100k | 0.30% → $100k - $500k
0.10%$2.5k-High Yield Fund
0.05%$5-Regular Share Savings
0.05%--Vacation Club
0.05%--Christmas Club

Zeal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Money Market Account
OTHER TIERS: 0.10% → $5k - $25k

Zeal Credit Union Checking Account Rates

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

Zeal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$100k*-60 Month CD
OTHER TIERS: 1.05% → $500 - $25k | 1.10% → $25k - $100k
0.95%*$100k*-48 Month CD
OTHER TIERS: 0.85% → $1k - $25k | 0.90% → $25k - $100k
0.85%*$100k*-36 Month CD
OTHER TIERS: 0.75% → $1k - $25k | 0.80% → $25k - $100k
0.70%*$100k*-24 Month CD
OTHER TIERS: 0.60% → $1k - $25k | 0.65% → $25k - $100k
0.70%*$100k*-30 Month CD
OTHER TIERS: 0.60% → $100 - $25k | 0.65% → $25k - $100k
0.60%*$100k*-18 Month CD
OTHER TIERS: 0.50% → $1k - $25k | 0.55% → $25k - $100k
0.55%*$100k*-12 Month CD
OTHER TIERS: 0.45% → $1k - $25k | 0.50% → $25k - $100k
0.55%*$100k*-15 Month CD
OTHER TIERS: 0.45% → $1k - $25k | 0.50% → $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
0.20%$1k-91 Day CD

Zeal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$100k*-60 Month IRA
OTHER TIERS: 1.05% → $500 - $25k | 1.10% → $25k - $100k
0.95%*$100k*-48 Month IRA
OTHER TIERS: 0.85% → $500 - $25k | 0.90% → $25k - $100k
0.85%*$100k*-36 Month IRA
OTHER TIERS: 0.75% → $500 - $25k | 0.80% → $25k - $100k
0.70%*$100k*-24 Month IRA
OTHER TIERS: 0.60% → $500 - $25k | 0.65% → $25k - $100k
0.70%*$100k*-30 Month IRA
OTHER TIERS: 0.60% → $100 - $25k | 0.65% → $25k - $100k
0.60%*$100k*-18 Month IRA
OTHER TIERS: 0.50% → $500 - $25k | 0.55% → $25k - $100k
0.55%*$100k*-12 Month IRA
OTHER TIERS: 0.45% → $500 - $25k | 0.50% → $25k - $100k
0.55%*$100k*-15 Month IRA
OTHER TIERS: 0.45% → $500 - $25k | 0.50% → $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
0.20%$500-91 Day IRA
Locations

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