Business Details
Your Trusted Financial Partner in Livonia, MI
Zeal Credit Union has been dedicated to empowering members with comprehensive financial solutions since its founding. Our institution combines personalized service with modern banking tools to meet diverse financial needs. With a focus on community impact, we offer checking and savings accounts, mortgage and auto loans, investment opportunities, and specialized programs for youth and retirees. Our team of experienced professionals prioritizes financial education and security, ensuring members receive expert guidance and innovative products.Backed by NCUA insurance and a commitment to ethical practices, we maintain transparency in all operations while continuously adapting to technological advancements. Through 24/7 digital access and local branch support, we strive to make banking accessible and convenient. Our reputation for reliability and member-centric approaches has solidified our position as a trusted financial partner in Michigan communities.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Auto Loans
Credit Cards
Highlights and features
- We offer 24/7 online banking and surcharge-free access to 30,000+ ATMs
- Our overdraft protection programs minimize fees and financial stress
- We provide personalized financial education resources for all age groups
- Our mortgage partnership with Mortgage Center delivers exclusive low rates
- We maintain strict NCUA-insured security standards for member protection
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Great mortgage rates
Excellent customer service
User-friendly mobile app
Competitive auto loan terms
Community involvement
Services
Checking Accounts
Zeal Credit Union offers multiple checking account options including Free Checking and Dividend Checking with no monthly service fees. Members enjoy unlimited check writing, free Visa debit cards, and access to 30,000+ surcharge-free ATMs. Our accounts provide online banking, bill pay, and mobile deposit features while maintaining competitive dividend rates for qualifying balances.
Mortgage Loans
Through our partnership with Mortgage Center, we provide fixed and adjustable-rate mortgage options with competitive rates. Services include purchase loans, refinancing, and construction financing with down payment assistance programs. Our dedicated team offers personalized guidance through the entire mortgage process while maintaining strict compliance with federal lending regulations.
Auto Loans
We offer new and used vehicle financing with rates starting at 4.74% APR for qualified borrowers. Our auto loan program includes 100% financing options, payment deferral up to 60 days, and GAP insurance protection. Classic car financing is available with flexible terms and dedicated support for both first-time buyers and experienced borrowers.
Savings Accounts
Our savings solutions include regular share accounts, high-yield savings, money market accounts, and certificates of deposit. Members benefit from tiered interest rates, youth savings programs, and specialized accounts like Christmas Clubs. All savings products maintain NCUA insurance coverage up to $250,000 with options for automatic transfers and dividend compounding.
Home Equity Loans
We provide fixed-rate home equity loans up to $250,000 with rates starting at 5.50% APR and HELOC options with variable rates. These products allow homeowners to access equity for home improvements, debt consolidation, or major purchases. Our lending team offers personalized consultations while maintaining responsible lending practices and property insurance requirements.
Questions
What online banking features does Zeal offer?
Zeal provides 24/7 online access with bill pay, mobile check deposit, account transfers, and real-time transaction monitoring through our secure digital platform and mobile app.
Do you offer student loan services?
While we don't directly offer student loans, we provide personal loans and credit-building products that can help with educational expenses and financial management.
What mortgage programs are available for first-time homebuyers?
Our Mortgage Center partnership offers specialized programs with low down payment options, competitive rates, and personalized guidance for first-time homebuyers.
How can I avoid overdraft fees?
Enroll in our Overdraft Protection Plan linking savings to checking, maintain minimum balances for dividend accounts, or opt for our discretionary overdraft privilege with clear fee disclosures.
What youth financial education programs do you provide?
We offer Rock Star Savers for children under 12 with matching deposits and Nextgen accounts for teens with financial literacy resources and educational incentives.
