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What is a membership at Zeal Credit Union worth? We spent the last few months trying to figure it out. We were astounded when we found out it was over $36,000! We modeled our example after actual Hard Working Americans who use all the benefits of the credit union.

Once a member joins, they usually stay forever but for these examples we used a member who had been with Zeal Credit Union for ten years.

Check out how we came to this number by reviewing the information below:

Big Insurance Savings

Annually Life of Membership
Dental Insurance
National Average** $360 $3,600
Zeal*** $155 $1,550
Savings $205 $2,050
Auto Insurance
Michigan Average**** $2,551 $25,510
Zeal $2,031 $20,310
Savings $520 $5,200
Life Insurance (Whole Life)
MetLife Average***** $624 $6,240
Zeal $283 $2,830
Savings $341 $3,410
Total Savings $10,660
Life Insurance:
Insurance based on 48 year old non-smoker. Rates provided by PFP - Family Security Plan
Whole Life - $10,000 premium is $23.57 monthly
Whole Life - $25,000 premium is $57.02 monthly (straight life with cash value no rate increase)

**Bankrate.com
***Based on Individual Premium, Individual/Family Dental plans may vary
****Valuepenguin.com
*****Metlife.com

Discounts That Save

Annually Life of Membership
Cellular
Average Monthly Bill** $144
Zeal 10% Discount $14.40
Savings $172.80 $1,728
Vision
Savings $100 $1,000
TurboTax
Savings $15 $150
The Henry Ford
Gate Price $522.60 $5,226.00
Zeal $472.32 $4,723.20
Savings*** $50.28 $502.80
Cedar Point
Gate Price - Ride and Refresh $512 $5,120
Zeal $448 $4,480
Savings*** $64 $640
Total Savings $4,020
**Cowen and Company
***Savings based on family of four, two trips per year.

Convert Your Loans & Save

Members of Zeal Credit Union saved on average $22,000 in interest (over the life of their loan) when they convert their loans at the credit union! Visit a branch today to see how you can start saving BIG! Click here for locations.

Low Rates & Fees

Annually Life of Membership
Savings Rates
National Average (0.08%)** $1,208.44 $12,128.04
Zeal (0.10%) $1,210.55 $12,160.19
Savings $2.11 $32.15
Overdraft Fee***
National Average $99.21 $992.10
Zeal $90 $900
Savings $9.21 $92.10
Stop Payment Fee
National Average $97.80 $978
Zeal $90 $900
Savings $7.80 $78
Returned Item Fee
National Average $105.60 $1,056
Zeal $90 $900
Savings $15.60 $156
Total Savings $358
**FDIC
***Based on National Average of 3 per year - BusinessInsider.com