2. Zeal Credit Union

Zeal Credit Union


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

Zeal Credit Union is headquartered in Livonia and is the 26th largest credit union in the state of Michigan. It is also the 509th largest credit union in the nation. It was established in 1954 and as of September of 2019, it had grown to 193 employees and 66,042 members at 14 locations. Zeal Credit Union's savings rates are 54% higher than the national average, and it 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.
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Reviews (9)

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.

2

Zeal Cu Review.

Posted by: lfranzil55 | Oct 20, 2017

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.

3

Issue with saving bonds needed to be cashed.

Posted by: susiebernard | Feb 1, 2018

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.

1

Horrible Credit Union Stay Away

Posted by: Chrisallen101 | Aug 29, 2018

Zeals Credit Union slogan is what got me in for the working man and woman however after being with them for less than a year the only thing they seem to do is hit me with fee after fee after fee the websites constantly down when you call the customer service you will never get through you have to request a call back treated very rude I am immediately shutting down my account with them my wife's as well I would not recommend this Credit Union to anyone after the stories I could give you you would understand why they do not give anyone a chance to fix things that might have gone wrong with your account there is a $30 fee for just about everything finding an ATM as a constant problem overall I would not recommend this Credit Union

7
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Health
A

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #62426
Year Chartered1954
Employees193
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD4.54%
Annual Interest Income$18.1MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$597.1MM$592.5MM
LoansQ3 2019vs Q3 2018$372.1MM$354.7MM
DepositsQ3 2019vs Q3 2018$480.4MM$487.8MM
Equity CapitalQ3 2019vs Q3 2018$93.3MM$81.7MM
Loan Loss AllowanceQ3 2019vs Q3 2018$4.9MM$5.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$3.6MM$2.9MM
Real Estate OwnedQ3 2019vs Q3 2018$88.00K$27.00K
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
0.80%*$500k*-Ultra Savings
OTHER TIERS: 0.35% → $25k - $50k | 0.50% → $50k - $100k | 0.65% → $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$500k*-Money Market Account
OTHER TIERS: 0.20% → $5k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 0.40% → $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
1.75%*$100k*-60 Month CD
OTHER TIERS: 1.60% → $500 - $25k | 1.65% → $25k - $100k
1.60%*$100k*-48 Month CD
OTHER TIERS: 1.50% → $1k - $25k | 1.55% → $25k - $100k
1.35%*$100k*-36 Month CD
OTHER TIERS: 1.25% → $1k - $25k | 1.30% → $25k - $100k
1.10%*$100k*-24 Month CD
OTHER TIERS: 1.00% → $1k - $25k | 1.05% → $25k - $100k
1.10%*$100k*-30 Month CD
OTHER TIERS: 1.00% → $100 - $25k | 1.05% → $25k - $100k
0.90%*$100k*-18 Month CD
OTHER TIERS: 0.80% → $1k - $25k | 0.85% → $25k - $100k
0.80%*$100k*-12 Month CD
OTHER TIERS: 0.70% → $1k - $25k | 0.75% → $25k - $100k
0.80%*$100k*-15 Month CD
OTHER TIERS: 0.70% → $1k - $25k | 0.75% → $25k - $100k
0.40%*$100k*-6 Month CD
OTHER TIERS: 0.30% → $1k - $25k | 0.35% → $25k - $100k
0.40%*$100k*-9 Month CD
OTHER TIERS: 0.30% → $1k - $25k | 0.35% → $25k - $100k
0.25%*$100k*-91 Day CD
OTHER TIERS: 0.20% → $1k - $100k

Zeal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$100k*-60 Month IRA
OTHER TIERS: 1.60% → $500 - $25k | 1.65% → $25k - $100k
1.60%*$100k*-48 Month IRA
OTHER TIERS: 1.50% → $500 - $25k | 1.55% → $25k - $100k
1.35%*$100k*-36 Month IRA
OTHER TIERS: 1.25% → $500 - $25k | 1.30% → $25k - $100k
1.10%*$100k*-24 Month IRA
OTHER TIERS: 1.00% → $500 - $25k | 1.05% → $25k - $100k
1.10%*$100k*-30 Month IRA
OTHER TIERS: 1.00% → $100 - $25k | 1.05% → $25k - $100k
0.90%*$100k*-18 Month IRA
OTHER TIERS: 0.80% → $500 - $25k | 0.85% → $25k - $100k
0.80%*$100k*-12 Month IRA
OTHER TIERS: 0.70% → $500 - $25k | 0.75% → $25k - $100k
0.80%*$100k*-15 Month IRA
OTHER TIERS: 0.70% → $500 - $25k | 0.75% → $25k - $100k
0.40%*$100k*-6 Month IRA
OTHER TIERS: 0.30% → $500 - $25k | 0.35% → $25k - $100k
0.40%*$100k*-9 Month IRA
OTHER TIERS: 0.30% → $500 - $25k | 0.35% → $25k - $100k
0.25%*$100k*-91 Day IRA
OTHER TIERS: 0.20% → $500 - $100k
Locations

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