ZEAL Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, ZEAL Credit Union's highest tracked CD (share certificate) rate is 2.40% APY on a 60-month CD ($100,000 minimum). That is 1.7 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.00% to 2.40% APY.
Tracking began .
With $10,000 and no relationship requirement: 2.20% on 60 months
ZEAL Credit Union CD & share certificate rates
Membership required. CDs from 91 days to 60 months in $1,000–$24,999, $25,000–$99,999 and over-$100,000 tiers. The 30-month CD has a $100 minimum and the 60-month CD a $500 minimum. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 91 days | Certificate of Deposit | $100,000 | 1.20% | −3.09% | Top 73% of tracked 91-day CDs · Verified October 22, 2026 |
| 91 days | Certificate of Deposit | $25,000 | 1.10% | −3.19% | Top 74% of tracked 91-day CDs · Verified October 22, 2026 |
| 91 days | Certificate of Deposit | $1,000 | 1.00% | −3.29% | Top 80% of tracked 91-day CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $100,000 | 1.80% | −2.60% | Top 82% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $25,000 | 1.70% | −2.70% | Top 83% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $1,000 | 1.60% | −2.80% | Top 84% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $100,000 | 1.90% | −2.58% | Top 89% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $25,000 | 1.80% | −2.68% | Top 89% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $1,000 | 1.70% | −2.78% | Top 89% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $100,000 | 2.00% | −2.57% | Top 83% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $25,000 | 1.90% | −2.67% | Top 83% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 1.80% | −2.77% | Top 84% of tracked 12-month CDs · Verified October 22, 2026 |
| 15 months | Certificate of Deposit | $100,000 | 2.00% | −2.65% | Verified October 22, 2026 |
| 15 months | Certificate of Deposit | $25,000 | 1.90% | −2.75% | Verified October 22, 2026 |
| 15 months | Certificate of Deposit | $1,000 | 1.80% | −2.85% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $100,000 | 2.00% | −2.72% | Top 84% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $25,000 | 1.90% | −2.82% | Top 84% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 1.80% | −2.92% | Top 85% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $100,000 | 2.10% | −2.77% | Top 79% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $25,000 | 2.00% | −2.87% | Top 82% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 1.90% | −2.97% | Top 83% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $100,000 | 2.10% | −2.81% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $25,000 | 2.00% | −2.91% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $100 | 1.90% | −3.01% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $100,000 | 2.20% | −2.75% | Top 76% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $25,000 | 2.10% | −2.85% | Top 77% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 2.00% | −2.95% | Top 80% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $100,000 | 2.30% | −2.68% | Top 73% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $25,000 | 2.20% | −2.78% | Top 74% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 2.10% | −2.88% | Top 75% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $100,000 | 2.40% | −2.61% | Top 74% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $25,000 | 2.30% | −2.71% | Top 75% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $500 | 2.20% | −2.81% | Top 76% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are ZEAL Credit Union's best CD rates by term?
ZEAL Credit Union's best rate is 2.40% APY on 60 months, verified October 22, 2026.
- 91 days1.20%
- 6 mo1.80%
- 9 mo1.90%
- 12 mo2.00%
- 15 mo2.00%
- 18 mo2.00%
- 24 mo2.10%
- 30 mo2.10%
- 36 mo2.20%
- 48 mo2.30%
- 60 mo2.40%
How much interest could a ZEAL Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,149.48 interest · $11,149.48 at maturity on $10,000.00.
2.20% APY · 60 months · Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $12.421.00% APY · Certificate of Deposit · Standard | $24.841.00% APY · Certificate of Deposit · Standard | $68.281.10% APY · Certificate of Deposit · Standard | $136.561.10% APY · Certificate of Deposit · Standard |
| 6 months | $39.951.60% APY · Certificate of Deposit · Standard | $79.901.60% APY · Certificate of Deposit · Standard | $212.191.70% APY · Certificate of Deposit · Standard | $424.371.70% APY · Certificate of Deposit · Standard |
| 9 months | $63.671.70% APY · Certificate of Deposit · Standard | $127.351.70% APY · Certificate of Deposit · Standard | $337.061.80% APY · Certificate of Deposit · Standard | $674.111.80% APY · Certificate of Deposit · Standard |
| 12 months | $90.001.80% APY · Certificate of Deposit · Standard | $180.001.80% APY · Certificate of Deposit · Standard | $475.001.90% APY · Certificate of Deposit · Standard | $950.001.90% APY · Certificate of Deposit · Standard |
| 15 months | $112.691.80% APY · Certificate of Deposit · Standard | $225.381.80% APY · Certificate of Deposit · Standard | $594.821.90% APY · Certificate of Deposit · Standard | $1,189.651.90% APY · Certificate of Deposit · Standard |
| 18 months | $135.731.80% APY · Certificate of Deposit · Standard | $271.461.80% APY · Certificate of Deposit · Standard | $716.541.90% APY · Certificate of Deposit · Standard | $1,433.071.90% APY · Certificate of Deposit · Standard |
| 24 months | $191.801.90% APY · Certificate of Deposit · Standard | $383.611.90% APY · Certificate of Deposit · Standard | $1,010.002.00% APY · Certificate of Deposit · Standard | $2,020.002.00% APY · Certificate of Deposit · Standard |
| 30 months | $241.031.90% APY · Certificate of Deposit · Standard | $482.061.90% APY · Certificate of Deposit · Standard | $1,269.522.00% APY · Certificate of Deposit · Standard | $2,539.052.00% APY · Certificate of Deposit · Standard |
| 36 months | $306.042.00% APY · Certificate of Deposit · Standard | $612.082.00% APY · Certificate of Deposit · Standard | $1,608.312.10% APY · Certificate of Deposit · Standard | $3,216.612.10% APY · Certificate of Deposit · Standard |
| 48 months | $433.422.10% APY · Certificate of Deposit · Standard | $866.832.10% APY · Certificate of Deposit · Standard | $2,273.672.20% APY · Certificate of Deposit · Standard | $4,547.342.20% APY · Certificate of Deposit · Standard |
| 60 months | $574.742.20% APY · Certificate of Deposit · Standard | $1,149.482.20% APY · Certificate of Deposit · Standard | $3,010.332.30% APY · Certificate of Deposit · Standard | $6,020.652.30% APY · Certificate of Deposit · Standard |
How ZEAL Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 251 of 332 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| ZEAL Credit Union (this institution)Certificate of Deposit · Standard | 60 months | $100,000 | Membership required · branches in MI | 2.40% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 60 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking ZEAL Credit Union on October 22, 2026.
About ZEAL Credit Union
- Legal name
- Zeal Credit Union
- Regulator ID
- NCUA 62426
- Headquarters
- Livonia, MI
- Available in
- MI
- Total assets
- $1.1 billion
- Also known as
- Website
- www.zealcu.org
Source: rates read from https://www.zealcu.org/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at ZEAL Credit Union?
Among the rates we track, 2.40% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a ZEAL Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $100,000.
How does ZEAL Credit Union's best CD rate compare with Treasury yields?
2.40% APY is −2.61% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 2.40% a good CD rate?
It is 1.7 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are ZEAL Credit Union CDs insured?
ZEAL Credit Union is a federally insured credit union (NCUA 62426). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at ZEAL Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check ZEAL Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from ZEAL Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with ZEAL Credit Union before opening an account. This page is not financial advice.