Zeal Credit Union Livonia MI | Low Mortgage Rates & Business Banking

Introduction

Welcome to Zeal Credit Union, your trusted financial partner in the heart of Livonia, MI! Located at 17250 Newburgh Rd, our branch has been proudly serving the community since 1954. With a strong commitment to our members, we have grown to support over 65,000 members and manage assets totaling an impressive $871,797,618. At Zeal, we believe in empowering our members with a range of services tailored to meet your unique needs. Whether you're looking for personal banking solutions like checking and savings accounts, or financing options such as auto loans and mortgages, we've got you covered. Our mission is simple: to help you achieve your financial goals while providing exceptional service every step of the way. While members can visit us at our branch address, official correspondence should be sent to 17250 Newburgh Road, Livonia, MI 48152-2618. As part of our commitment to transparency and community impact, we take pride in our solid financial standing. With total deposits of $35,133,003 and a net worth of $179,324,586, you can trust that your money is safe with us. Our dedicated team of 154 employees, led by CEO Julie Kreinbring and Board President Michael O'Hehir, works tirelessly to ensure that each member feels valued and supported. We invite you to explore all that Zeal Credit Union has to offer. Ready to take the next step? Visit us today or give us a call at 734-522-3700. Let's work together to make your financial dreams a reality!

Branch History & Mission

Community Focus

Our dedication extends beyond banking; we actively engage in community outreach initiatives aimed at making a positive impact. Whether through financial literacy programs or local sponsorships, Zeal Credit Union believes in giving back and fostering strong relationships within Livonia. As part of our ongoing efforts to improve member experience and engagement, we encourage everyone to take advantage of our ATM services available on-site as well as explore other offerings that make banking with us convenient.

Join Us!

If you're looking for a credit union that prioritizes your needs while contributing positively to the community, consider becoming a member of Zeal Credit Union today! Experience firsthand how we can help you achieve your financial dreams. For more information on membership eligibility or to open an account online, please visit Zeal Credit Union. Together, let's build a brighter future!

Our Journey

From its humble beginnings, Zeal Credit Union was founded on the principle of providing accessible financial services to all. As we evolved through the decades, we have embraced innovation while staying true to our mission: to enhance the financial well-being of our members and support the community. This commitment has led us to expand our offerings beyond basic banking services to include auto loans, mortgages, personal loans, and business banking solutions. As technology advanced, so did we. Today, our members can enjoy online and mobile banking services that allow for convenient account management from anywhere. We are also committed to accessibility and are proud to offer ADA-compliant services for all our members.

Our Mission

At Zeal Credit Union, our mission is clear: we strive to provide not just financial products but also meaningful support to our community. We believe in empowering individuals and families by offering tools and resources that help them achieve their financial goals. From first-time homebuyers seeking guidance to entrepreneurs looking for business loans, we are here every step of the way. We take pride in being more than just a bank; we are a partner in your financial journey. Our dedicated team is always ready to assist you with personalized service tailored to your unique needs. While members can visit us at 17250 Newburgh Rd for all their banking needs, official correspondence should be sent to our mailing address at 17250 Newburgh Road, Livonia, MI 48152-2618.

Branch Location & Accessibility

Convenient Access for Everyone

At Zeal, we understand that accessibility is essential. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us with ease. If you're driving, you'll find ample parking right outside our doors, making your visit hassle-free.

Get in Touch Today!

Have questions or need assistance? Don't hesitate to call us at 734-522-3700. We invite you to come by and experience the personalized service that makes Zeal Credit Union a trusted choice in the community. We look forward to welcoming you!

Operating Hours Tailored to You

We know that life can be busy, which is why we offer flexible operating hours to suit your schedule. Our lobby is open on Mondays and Fridays from 9:30 AM to 6 PM, and from Tuesday through Thursday, we're here from 9:30 AM to 5 PM. Plus, if you need to swing by on Saturday, our drive-thru is available from 9 AM to 1 PM.

Services That Fit Your Needs

Whether you're looking for personal banking solutions like checking and savings accounts or exploring options for auto loans and mortgages, we've got you covered. Our branch also offers access to ATMs for quick cash withdrawals and balance checks, so you can manage your finances conveniently. While members can visit us at 17250 Newburgh Rd, official correspondence should be sent to our mailing address at 17250 Newburgh Road, Livonia, MI 48152-2618.

Member Eligibility

At Zeal, we believe that everyone deserves a chance to join our welcoming community and enjoy the benefits of credit union membership. Becoming a member is simple and open to those who live, work, or worship in our area, including family members of existing members. If you're looking for a financial partner that prioritizes your needs and offers personalized services, you'll find that here at Zeal. We provide access to great rates on loans and savings, along with a variety of services tailored just for you. To learn more about the specific eligibility requirements, feel free to visit our website at https://www.zealcu.org/become-a-member/ . When you're ready to take the next step towards opening an account, you can easily start the process online by visiting https://www.zealcreditunionhb.org/tob/live/usp-core/app/register or give us a call at (734) 522-3700 if you have any questions. We're here to help you every step of the way! Our branch is located at 17250 Newburgh Rd Livonia Mi 48152, and we can't wait to welcome you into our community.

Business Banking & Commercial Services

Financing Solutions That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $14 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $149 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,994,661, we continue to drive economic growth by financing new and expanding businesses.

Streamlined Merchant Services

In addition to loans, we offer merchant services tailored for your needs. Imagine processing payments easily while keeping your cash flow healthy. Our services ensure you can focus on what matters most growing your business while we handle the details like payment processing and transaction security. Located conveniently at 17250 Newburgh Rd Livonia Mi 48152 in Livonia, MI, we're here to help you unlock your business potential. Reach out today at (734) 522-3700 to learn more about how our offerings can benefit you!

Comprehensive List Of Services

Business Services

For our business members, we offer specialized services including Business Banking, which covers everything from merchant services to business loans. We understand the unique challenges businesses face and are committed to providing support that helps them thrive.

Convenience Features

At Zeal, convenience is key. Our ATM & Cash Withdrawal Services make accessing cash easy and straightforward. With basic ATM access available for withdrawals and balance checks, managing your money is hassle-free. We also prioritize digital banking features, ensuring that whether you're at home or on the go, managing your finances is just a click away. Our mobile application allows for seamless transactions and account management right from your smartphone.

Credit Options

Managing debt can sometimes feel overwhelming. Our Personal Loans & Debt Consolidation options are here to help you regain control over your finances. Whether you need funds for unexpected expenses or want to consolidate existing debts into one manageable payment, we've got solutions for you. Additionally, if you're looking for credit that rewards you while you spend, consider our Credit Cards with Rewards program. These cards not only offer convenience but also earn you points on your purchases that can be redeemed for exciting rewards.

Get Started Today!

Ready to explore how our services can benefit you? Give us a call at (734) 522-3700 or visit us at 17250 Newburgh Rd Livonia Mi 48152 in Livonia, MI. Our friendly team at Zeal is eager to assist you with all your financial needs! For more information about membership and opening an account, check out our website: https://www.zealcu.org . Join us today and discover the difference personalized banking makes!

Personal Banking

For individuals looking to manage their everyday finances, we offer Personal Banking services that include checking and savings accounts. Our accounts come with features designed to simplify your banking experience. You can easily access your funds and manage your accounts through our Online & Mobile Banking options, allowing you to check balances, transfer money, and pay bills anytime, anywhere. When it comes to financing your next vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. We understand that buying a car can be a significant investment, so we're here to help you make it easier. If you're considering purchasing a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services are designed with your unique situation in mind. We guide you through the process, ensuring you understand every step along the way.

Digital & Online Banking

At Zeal, we understand that convenience and security are essential in today's fast-paced world. Our digital and online banking services are designed to make managing your finances easy and safe, all from the comfort of your home or on the go. With just a few clicks, you can access your accounts anytime through our secure online banking platform. Visit us at https://www.zealcu.org to experience a user-friendly interface that allows you to check balances, transfer funds, and pay bills easily. Need to sign documents? No problem! We offer electronic signature authorization for quick and secure transactions. For those who prefer paperless options, our e-statements are available so you can view your financial statements online whenever you need them. This not only saves trees but also keeps your information organized and accessible. If you're always on the move, our mobile application is here to help! Download it today to make mobile payments with ease. Imagine paying for groceries or splitting a dinner bill without needing cash it's all possible with our mobile payments feature. Plus, while we currently do not offer person-to-person transfers, our app still provides a robust suite of features that keep you connected to your finances. With 24/7 online banking services available, you can manage your money on your schedule. Whether it's late at night or during lunch breaks, your accounts are just a click away. At Zeal, we're committed to making your banking experience as smooth as possible while ensuring your data remains secure every step of the way. Join us today and take control of your financial future!

Financial Strength

A Growing Community

Total Share Accounts: 126,590, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Zeal is your trusted partner. Visit us at 17250 Newburgh Rd Livonia Mi 48152 or call (734) 522-3700 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $27,906,051 in share certificates and $136,920,009 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $6,801,341 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 143 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $160,401,467 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $6,872 in used auto loans and $652,517,922 in total loans and leases.

Strong Capital Foundation

With a net worth of $179,324,586, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,055 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $110,000,651 in used vehicle loans and $23,218,894 in new vehicle loans already helping members get on the road. Whether you're considering a new model or a reliable used vehicle, our team is here to guide you through the process, making it easy and straightforward.

Credit Lines and Unsecured Loans

For those needing quick access to funds, we also offer credit lines totaling $214,655,000, giving you the flexibility to manage unexpected expenses or take on personal projects. Additionally, our unsecured credit card loans amounting to $37,593,437 help members effectively manage their finances while enjoying flexible repayment options.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $94,214,393, make buying or refinancing simple. We aim to provide competitive rates and flexible terms so you can find a solution that fits your budget. If you're looking into refinancing your current mortgage, be sure to ask about our eligibility options that could save you money.

Supporting Local Businesses

For business owners in need of capital, our outstanding commercial loans totaling $4,994,661 provide the resources necessary for growth and expansion. We're dedicated to supporting local businesses by offering tailored solutions that meet their unique needs. At Zeal, we prioritize transparency and member satisfaction. Our loan products are designed with you in mind, and we're here to help navigate every step of the way. For more information about our loan offerings or if you have any questions, please feel free to contact us at (734) 522-3700. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today and see how we can assist you in achieving your financial dreams!

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ZEAL CREDIT UNION