The Average American Family pays almost $10,000 in interest each year!**

Does that sound crazy? Because it is! At Zeal Credit Union, we have the secret weapon to put interest in its place. It's called the Hard Working Loan and it can save you big!

Take a look at the examples below to see how much a Hard Working Loan could save you.


"It brought me to tears! When I saw they saved me $15,680, I couldn't believe it and actually started to cry!" Mary B., Walled Lake

Savings Example - 1

National Averages Zeal Credit Union Averages
Loan Auto Personal VISA® Auto Personal VISA®
Amount $15,000 $3,000 $11,000 $15,000 $3,000 $11,000
Annual
Percentage Rate
4.5% 10% 18%* 3.75% 8.4% 9.50%*
Term (Months) 60 36 167 60 36 79
Interest Paid $1,778 $485 $19,042 $1,474 $404 $3,833
Mo. Payment $280 $97 Greater of
2% or $50
$275 $95 Greater of
2% or $50
Total Interest Paid $22,847 $5,711

*This rate is a variable rate

Total Interest Saved = $17,136

"This is freakin' insane. They've saved me over $30,000 in interest.
I didn't think this was even possible." Tom S., Walled Lake

Savings Example - 2

National Averages Zeal Credit Union Averages
Loan Auto Personal VISA Auto Personal VISA
Amount $28,000 $10,000 $7,000 $28,000 $10,000 $7,000
Annual
Percentage Rate
4.5% 10% 18%* 3.75% 8.4% 9.50%*
Term (Months) 60 36 299 60 36 138
Interest Paid $3,320 $1,616 $15,656 $2,751 $1,348 $4,483
Mo. Payment $522 $323 Greater of
2% or $50
$513 $315 Greater of
2% or $50
Total Interest Paid $20,592 $8,582

*This rate is a variable rate

Total Interest Saved = $12,010

"I've been a member for 10 years, and it only took 15 minutes to
find out a Hard Working Loan could save me $44,000 in interest!"
John M., Livonia

Savings Example - 3

National Averages Zeal Credit Union Averages
Loan Auto Personal VISA Auto Personal VISA
Amount $28,000 $2,000 $10,000 $28,000 $2,000 $10,000
Annual
Percentage Rate
4.5% 10% 18%* 3.75% 8.4% 9.50%*
Term (Months) 60 36 370 60 36 165
Interest Paid $3,320 $323 $24,656 $2,751 $270 $7,911
Mo. Payment $522 $65 Greater of
2% or $50
$513 $63 Greater of
2% or $50
Total Interest Paid $28,299 $10,932

*This rate is a variable rate

Total Interest Saved = $17,367

"I was able to pay down my Discover and store cards
to save $28,000. Amazing!" Maggie J., Southfield

Example Savings amounts are an estimate for informational purposes only and are not a promise of actual interest savings. All examples based on national average FICO score of 680. FICO and rate data from bankrate.com. Interest calculations from CreditKarma.com. These interest savings examples are based on many factors. For more information visit our Rules Page.

Annual Percentage Rates will depend on Borrower's credit history.

Variable Rate is based on Wall Street Journal Prime Rate.

**NerdWallet.com