Credit union · NCUA insured
Zeal Credit Union Savings Rates
Zeal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Zeal Credit Union’s savings 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
0.30%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $30
Money Market
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Zeal Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.30%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ultra Savings
Up to 0.80%APY
$25,000 daily balance required to avoid minimum balance fee. Three fee-free withdrawals or transfers per calendar month allowed; $5 per-debit item fee assessed for each additional withdrawal or transfer.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $50,000Dividends paid monthly. $25,000 daily balance required to avoid minimum balance fee. | 0.50% | — | Dividends paid monthly. $25,000 daily balance required to avoid minimum balance fee. |
| $50,000 – $100,000Dividends paid monthly. $25,000 daily balance required to avoid minimum balance fee. | 0.60% | — | Dividends paid monthly. $25,000 daily balance required to avoid minimum balance fee. |
| $100,000 – $500,000Dividends paid monthly. $25,000 daily balance required to avoid minimum balance fee. | 0.70% | — | Dividends paid monthly. $25,000 daily balance required to avoid minimum balance fee. |
| $500,000 and upDividends paid monthly. $25,000 daily balance required to avoid minimum balance fee. | 0.80% | — | Dividends paid monthly. $25,000 daily balance required to avoid minimum balance fee. |
Money Market
0.30%APY
All Zeal Money Market accounts are subject to a low $6 monthly service fee, with a $5,000 balance required to avoid a minimum balance fee. Maximum 6 remote transactions/checks per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. | 0.30% | $30 | Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. |
| $25,000 – $50,000Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. | 0.40% | — | Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. |
| $50,000 – $100,000Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. | 0.50% | — | Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. |
| $100,000 – $500,000Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. | 0.60% | — | Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. |
| $500,000 and upDividends paid monthly; $5,000 balance required to avoid minimum balance fee. | 0.70% | — | Dividends paid monthly; $5,000 balance required to avoid minimum balance fee. |
High Yield Savings
0.20%APY
Earn daily dividends, paid monthly. Members are permitted to make six remote (online, preauthorized, telephone transfer, auto transfer) withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upEarn daily dividends, paid monthly. Maximum of 6 remote withdrawals per month.$2,500 and up | 0.20% | $20 | Earn daily dividends, paid monthly. Maximum of 6 remote withdrawals per month. |
Regular Membership Savings Account
0.05%APY
To open a Regular Membership Savings Account, a one-time $2 fee is required. $199 combined savings balance required to avoid a minimum balance fee. Dividends are paid and compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum $5 deposit into the new Regular Membership Savings Account. Dividends compounded and paid quarterly.$5 and up | 0.05% | $5 | Minimum $5 deposit into the new Regular Membership Savings Account. Dividends compounded and paid quarterly. |
Special-purpose accounts
Christmas Club
0.05%APY
Maximum of six monthly remote transfers allowed. No fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. No minimum balance requirement and no fees. Maximum of six monthly remote transfers allowed.Any balance | 0.05% | $5 | Dividends paid quarterly. No minimum balance requirement and no fees. Maximum of six monthly remote transfers allowed. |
Vacation Club
0.05%APY
Maximum of six monthly remote transfers allowed. No fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. No minimum balance requirement and no fees. Maximum of six monthly remote transfers allowed.Any balance | 0.05% | $5 | Dividends paid quarterly. No minimum balance requirement and no fees. Maximum of six monthly remote transfers allowed. |
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.