# ZEAL Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/zeal-credit-union
Institution: Zeal Credit Union (NCUA 62426)
Aliases: 
Status: live
Last verified: 2026-10-23T02:27:46.000Z (October 22, 2026)
Official source: https://www.zealcu.org/rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 91 days | $100,000 | 1.20% | Not ZIP-priced | −3.09% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 91 days | $25,000 | 1.10% | Not ZIP-priced | −3.19% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 91 days | $1,000 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 6 months | $100,000 | 1.80% | Not ZIP-priced | −2.60% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 6 months | $25,000 | 1.70% | Not ZIP-priced | −2.70% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 6 months | $1,000 | 1.60% | Not ZIP-priced | −2.80% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 9 months | $100,000 | 1.90% | Not ZIP-priced | −2.58% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 9 months | $25,000 | 1.80% | Not ZIP-priced | −2.68% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 9 months | $1,000 | 1.70% | Not ZIP-priced | −2.78% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 12 months | $100,000 | 2.00% | Not ZIP-priced | −2.57% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 12 months | $25,000 | 1.90% | Not ZIP-priced | −2.67% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 12 months | $1,000 | 1.80% | Not ZIP-priced | −2.77% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 15 months | $100,000 | 2.00% | Not ZIP-priced | −2.65% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 15 months | $25,000 | 1.90% | Not ZIP-priced | −2.75% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 15 months | $1,000 | 1.80% | Not ZIP-priced | −2.85% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 18 months | $100,000 | 2.00% | Not ZIP-priced | −2.72% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 18 months | $25,000 | 1.90% | Not ZIP-priced | −2.82% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 18 months | $1,000 | 1.80% | Not ZIP-priced | −2.92% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 24 months | $100,000 | 2.10% | Not ZIP-priced | −2.77% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 24 months | $25,000 | 2.00% | Not ZIP-priced | −2.87% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 24 months | $1,000 | 1.90% | Not ZIP-priced | −2.97% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 30 months | $100,000 | 2.10% | Not ZIP-priced | −2.81% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 30 months | $25,000 | 2.00% | Not ZIP-priced | −2.91% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 30 months | $100 | 1.90% | Not ZIP-priced | −3.01% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 36 months | $100,000 | 2.20% | Not ZIP-priced | −2.75% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 36 months | $25,000 | 2.10% | Not ZIP-priced | −2.85% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 36 months | $1,000 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 48 months | $100,000 | 2.30% | Not ZIP-priced | −2.68% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 48 months | $25,000 | 2.20% | Not ZIP-priced | −2.78% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 48 months | $1,000 | 2.10% | Not ZIP-priced | −2.88% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 60 months | $100,000 | 2.40% | Not ZIP-priced | −2.61% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 60 months | $25,000 | 2.30% | Not ZIP-priced | −2.71% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |
| Certificate of Deposit | standard | 60 months | $500 | 2.20% | Not ZIP-priced | −2.81% | 2026-10-23T02:27:46.000Z | [Snapshot 897](https://apyledger.com/snapshots/897) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.