Credit union · NCUA insured
Zeal Credit Union Auto Loan Rates
Zeal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Zeal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Zeal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Zeal Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New & Used Auto Loans
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Zeal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Zeal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Classic Car Auto Loans
Classic Auto defined as 20 years or older with value listed in the J.D. Powers. Minimum loan amount is $30,000. Subject to credit approval. APR and other terms based on creditworthiness and age of vehicle. As low as APR reflects A+ credit. Down payment of 0% – 25% may be required based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.99% | — |
| 85–96 months | 7.49% | — |
| 97–120 months | 7.99% | — |
New & Used Auto Loans
Subject to credit approval. APR and other terms based on creditworthiness and age of vehicle. As low as APR reflects A+ credit, a 0.25% rate discount, shortest term, and the vehicle model year listed. Rate discount available to approved borrowers who enroll in automatic payments from their Zeal Credit Union checking account. Down payment of 0% – 25% may be required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74% | Model year 2024 and Newer. Minimum loan amount is $10,000 for terms up to 72 months. |
| 61–72 months | 5.24% | Model year 2024 and Newer. Minimum loan amount is $10,000 for terms up to 72 months. |
| 73–84 months | 5.99% | Model year 2024 and Newer. Minimum loan amount is $25,000 for terms of 73-84 months. |
| 85–96 months | 6.49% | Model year 2024 and Newer. Minimum loan amount is $50,000 for terms 85-96 months. |
| 97–120 months | 6.99% | Model year 2024 and Newer. Minimum loan amount is $75,000 for terms of 97-120 months. |
| up to 60 months | 5.49% | Model years 2020 – 2021. Minimum loan amount is $10,000. |
| 61–72 months | 5.74% | Model years 2020 – 2021. Minimum loan amount is $10,000. |
| up to 60 months | 5.74% | Model years 2018 – 2019. Minimum loan amount is $10,000. |
| 61–72 months | 5.99% | Model years 2018 – 2019. Minimum loan amount is $10,000. |
| up to 60 months | 6.49% | Model years 2015 – 2017. Minimum loan amount is $5,000. |
| up to 60 months | 7.49% | Model years 2014 and Older (does not include Classic Auto). Minimum loan amount is $5,000. |
Who can join Zeal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, worships, or studies in the state of Michigan.
Employers and groups
- Membership is open to employees of Zeal Credit Union.
- Membership is open to employees of associated employer groups or organized groups located in Michigan, with a written request provided by the employer to Zeal Credit Union.
- Membership is open through Cooperative Services Inc.
Family and household
- Membership is open to immediate families of qualifying members or eligible individuals.
Other ways
- Membership is open to any legal entity comprised of individuals who are eligible for Zeal membership.
1 more way to join
Other ways
- Membership is open to individuals currently receiving a retirement annuity, pension, Social Security, or similar retirement benefits from a private or government source.
Cost to join
- Membership requires a minimum balance deposit of $5.00 to a share account.
- Membership requires a one-time $2.00 fee.
Membership information collected October 5, 2026.