Zeal Credit Union


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

Zeal Credit Union is headquartered in Livonia and is the 30th largest credit union in the state of Michigan. It is also the 520th largest credit union in the nation. It was established in 1954 and as of March of 2024, it had grown to 127 employees and 66,812 members at 12 locations. Zeal Credit Union's CD rates are 2X the national average, and it has a B+ 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

Reviews (4)

Very Dissapointed

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.

First Time Visit To Open Account

Posted by: |

I wanted to open a business account, I walked into a Zeal branch and noticed money in bags sitting in lobby. Also only one teller working. I walked out immediately for my safety. people are crazy today and a robbery could have happened and I didn't feel safe. I also didn't think the employees are safe due to the setup in lobby. they have no protection. and bad management very RUDE.

Zeal Should Be Called “Steal” Instead

Posted by: |

Zeal, my money would’ve been more safe if it were under my mattress during a fire ; further , Ms Kathy, was rude , she judged my withdrawal and said she couldn’t help me , TWO WEEKS IN A ROW ; this accounting error and refusal to protect me caused me over y$400 in fees plus they allowed it to occur twice and won’t research my issue even though this issue constitutes fraud ;

THEY CANNOT BE REACHED BY PHONE NOR VIA THE INTERNET WITHOUT WAITING AN 35 min to BE GIVEN A CALL back promise . THE SAME PERAON , Kathy , calls back , only to berate you for your deposit attempts , then she becomes insolent and lacks the capability of helping the members in any capacity ; she purposely refused to explain to me or help me and then got annoyed and belligerent and behaved as if I shouldn’t even have questions and if I hadn’t spent my
$ on frivolity maybe she’d care , she made me feel like I deserve it and gave me no help in seeking the proper party to get my funds returned , I AM BEING STOLEN FROM AND EITHER ZEAL STOLE IT OR , they refuse to become involved in any way to help me verify these errors
THEY REGULARLY a
Charge NSF FEES in error.
Can’t speak w anyone on the weekends or online
the issue is THEY DO NOT BELIEVE THEIR MEMBERS WHEN ASKED TO DISPUTE FRUAD , they are fraudulent; THREE YEARS IN A ROW , federal holidays have deducted and the waited til the long weekend was up before correcting “fraud alert “ bc I tried to use my debit as always

Ok At Best

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.



Health
B+

Health Grade Components

Overall
NCUA #62426
Year Chartered1954
Employees127
Primary Regulator
Profit Margin
Return on Assets - YTD2.75%
Return on Equity - YTD16.51%
Annual Interest Income$10.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$830.8MM$848.3MM
LoansQ1 2024vs Q1 2023$632.3MM$538.2MM
DepositsQ1 2024vs Q1 2023$684.2MM$721.8MM
Equity CapitalQ1 2024vs Q1 2023$137MM$115.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.5MM$7.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$8.1MM$5.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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: 0.50% $25k - $50k | 0.60% $50k - $100k | 0.70% $100k - $500k
0.20%$2.5k-High Yield Fund
0.05%$5-Regular Share Savings
0.05%$0-Vacation Club
0.05%$0-Christmas Club
0.05%$5-Business Savings

Zeal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$500k*-Money Market Account
OTHER TIERS: 0.30% $5k - $25k | 0.40% $25k - $50k | 0.50% $50k - $100k | 0.60% $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
2.40%*$100k*-60 Month CD
OTHER TIERS: 2.20% $500 - $25k | 2.30% $25k - $100k
2.30%*$100k*-48 Month CD
OTHER TIERS: 2.10% $1k - $25k | 2.20% $25k - $100k
2.20%*$100k*-36 Month CD
OTHER TIERS: 2.00% $1k - $25k | 2.10% $25k - $100k
2.10%*$100k*-24 Month CD
OTHER TIERS: 1.90% $1k - $25k | 2.00% $25k - $100k
2.10%*$100k*-30 Month CD
OTHER TIERS: 1.90% $100 - $25k | 2.00% $25k - $100k
2.00%*$100k*-12 Month CD
OTHER TIERS: 1.80% $1k - $25k | 1.90% $25k - $100k
2.00%*$100k*-15 Month CD
OTHER TIERS: 1.80% $1k - $25k | 1.90% $25k - $100k
2.00%*$100k*-18 Month CD
OTHER TIERS: 1.80% $1k - $25k | 1.90% $25k - $100k
1.90%*$100k*-9 Month CD
OTHER TIERS: 1.70% $1k - $25k | 1.80% $25k - $100k
1.80%*$100k*-6 Month CD
OTHER TIERS: 1.60% $1k - $25k | 1.70% $25k - $100k
1.20%*$100k*-91 Day CD
OTHER TIERS: 1.00% $1k - $25k | 1.10% $25k - $100k

Zeal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%*$100k*-60 Month IRA
OTHER TIERS: 2.20% $500 - $25k | 2.30% $25k - $100k
2.30%*$100k*-48 Month IRA
OTHER TIERS: 2.10% $500 - $25k | 2.20% $25k - $100k
2.20%*$100k*-36 Month IRA
OTHER TIERS: 2.00% $500 - $25k | 2.10% $25k - $100k
2.10%*$100k*-24 Month IRA
OTHER TIERS: 1.90% $500 - $25k | 2.00% $25k - $100k
2.10%*$100k*-30 Month IRA
OTHER TIERS: 1.90% $100 - $25k | 2.00% $25k - $100k
2.00%*$100k*-12 Month IRA
OTHER TIERS: 1.80% $500 - $25k | 1.90% $25k - $100k
2.00%*$100k*-15 Month IRA
OTHER TIERS: 1.80% $500 - $25k | 1.90% $25k - $100k
2.00%*$100k*-18 Month IRA
OTHER TIERS: 1.80% $1k - $25k | 1.90% $25k - $100k
1.90%*$100k*-9 Month IRA
OTHER TIERS: 1.70% $500 - $25k | 1.80% $25k - $100k
1.80%*$100k*-6 Month IRA
OTHER TIERS: 1.60% $500 - $25k | 1.70% $25k - $100k
1.20%*$100k*-91 Day IRA
OTHER TIERS: 1.00% $1k - $25k | 1.10% $25k - $100k
Locations

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