Credit union · NCUA insured
Zeal Credit Union CD Rates
Zeal Credit Union’s best CD rate is 2.40% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Zeal Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Zeal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Zeal Credit Union
2.20%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,149
Certificates of Deposit (CDs)
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Zeal Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo1.60%
- 9–15 months9–15 mo1.80%
- 16–30 months16–30 mo1.90%
- 31–60 months31–60 mo2.20%
- QualifiedQualified2.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Zeal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 2.20%APY · 11 terms
Early withdrawal penalty applies. Deposits and withdrawals are not allowed during the term of the certificate but can be made upon maturity. Minimum balance is $1,000 for all terms except 30-month ($100 minimum) and 60-month ($500 minimum).
| Term | APY · $100 – $24,999 | APY · $500 – $24,999 | APY · $1,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| UnknownDividends paid at maturity | — | — | 1.00% | 1.10% | 1.20% | 1.00%1.10% $25k–$100k1.20% from $100k | $0 |
| 6 monthsDividends paid at maturity | — | — | 1.60% | 1.70% | 1.80% | 1.60%1.70% $25k–$100k1.80% from $100k | $80 |
| 9 monthsDividends paid at maturity | — | — | 1.70% | 1.80% | 1.90% | 1.70%1.80% $25k–$100k1.90% from $100k | $127 |
| 12 monthsDividends paid quarterly | — | — | 1.80% | 1.90% | 2.00% | 1.80%1.90% $25k–$100k2.00% from $100k | $180 |
| 15 monthsDividends paid quarterly | — | — | 1.80% | 1.90% | 2.00% | 1.80%1.90% $25k–$100k2.00% from $100k | $226 |
| 18 monthsDividends paid quarterly | — | — | 1.80% | 1.90% | 2.00% | 1.80%1.90% $25k–$100k2.00% from $100k | $271 |
| 24 monthsDividends paid quarterly | — | — | 1.90% | 2.00% | 2.10% | 1.90%2.00% $25k–$100k2.10% from $100k | $384 |
| 30 monthsDividends paid quarterly. $100 minimum balance | 1.90% | — | — | 2.00% | 2.10% | 1.90%2.00% $25k–$100k2.10% from $100k | $482 |
| 36 monthsDividends paid quarterly | — | — | 2.00% | 2.10% | 2.20% | 2.00%2.10% $25k–$100k2.20% from $100k | $612 |
| 48 monthsDividends paid quarterly | — | — | 2.10% | 2.20% | 2.30% | 2.10%2.20% $25k–$100k2.30% from $100k | $867 |
| 60 monthsDividends paid quarterly. $500 minimum balance | — | 2.20% | — | 2.30% | 2.40% | 2.20%2.30% $25k–$100k2.40% from $100k | $1,149 |
Special-purpose accounts
IRA Certificates of Deposit (IRA CDs)
Up to 2.20%APY · 11 terms
No start-up costs or maintenance fees. Early withdrawal penalty applies. Deposits and withdrawals are not allowed during the term of the certificate but can be made upon maturity of the CD. Partial withdrawals without penalty may be allowed if over retirement age. All IRA Certificates have a minimum $500 opening balance except a 30 month which has a $100 minimum balance.
| Term | APY · $100 – $24,999 | APY · $500 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| UnknownDividends paid at maturity. $500 minimum opening balance | — | 1.00% | 1.10% | 1.20% | 1.00%1.10% $25k–$100k1.20% from $100k | $0 |
| 6 monthsDividends paid at maturity. $500 minimum opening balance | — | 1.60% | 1.70% | 1.80% | 1.60%1.70% $25k–$100k1.80% from $100k | $80 |
| 9 monthsDividends paid at maturity. $500 minimum opening balance | — | 1.70% | 1.80% | 1.90% | 1.70%1.80% $25k–$100k1.90% from $100k | $127 |
| 12 monthsDividends paid quarterly. $500 minimum opening balance | — | 1.80% | 1.90% | 2.00% | 1.80%1.90% $25k–$100k2.00% from $100k | $180 |
| 15 monthsDividends paid quarterly. $500 minimum opening balance | — | 1.80% | 1.90% | 2.00% | 1.80%1.90% $25k–$100k2.00% from $100k | $226 |
| 18 monthsDividends paid quarterly. $500 minimum opening balance | — | 1.80% | 1.90% | 2.00% | 1.80%1.90% $25k–$100k2.00% from $100k | $271 |
| 24 monthsDividends paid quarterly. $500 minimum opening balance | — | 1.90% | 2.00% | 2.10% | 1.90%2.00% $25k–$100k2.10% from $100k | $384 |
| 30 monthsDividends paid quarterly. $100 minimum balance | 1.90% | — | 2.00% | 2.10% | 1.90%2.00% $25k–$100k2.10% from $100k | $482 |
| 36 monthsDividends paid quarterly. $500 minimum opening balance | — | 2.00% | 2.10% | 2.20% | 2.00%2.10% $25k–$100k2.20% from $100k | $612 |
| 48 monthsDividends paid quarterly. $500 minimum opening balance | — | 2.10% | 2.20% | 2.30% | 2.10%2.20% $25k–$100k2.30% from $100k | $867 |
| 60 monthsDividends paid quarterly. $500 minimum opening balance | — | 2.20% | 2.30% | 2.40% | 2.20%2.30% $25k–$100k2.40% from $100k | $1,149 |
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.