Zeal Credit Union Southgate MI | Affordable Auto Loans & ATM Services

Introduction

Welcome to Zeal Credit Union, your trusted financial partner since 1954. Located at 16225 Fort St, Southgate, MI 48195, we are proud to serve a vibrant community of over 65,931 members who rely on us for their banking needs. With total assets reaching an impressive $839,339,938 and total deposits of $5,079,812, we are committed to providing you with the stability and support necessary for your financial journey. At Zeal Credit Union, we understand that each member has unique goals. That's why we offer a wide range of services designed to meet your individual needs from personal banking and auto loans to business financing and online banking solutions. Whether you're looking to buy a new car or save for a dream home, our dedicated team is here to help guide you every step of the way. Led by our CEO Julie Kreinbring and Board President Michael O'Hehir, our experienced team of 142 employees is passionate about making a positive impact in your life. We also take pride in our solid net worth of $166,089,569, ensuring that your deposits are safe and sound. For any official correspondence, please note that our mailing address is 17250 Newburgh Rd, Livonia, MI 48152. Feel free to reach out to us at 800-321-8570 or visit our website at zealcu.org for more information about becoming a member or opening an account. Join us today and experience the difference that comes from being part of a credit union that truly cares!

Branch History & Mission

At Zeal Credit Union, our journey began in 1954, rooted in a vision to empower our community through accessible financial services. Located at 16225 Fort St, Southgate, MI 48195, we have grown from humble beginnings into a thriving institution that proudly serves over 65,931 members. Over the decades, we've witnessed significant milestones that reflect our commitment to our members and the community. Our mission is simple yet profound: to provide exceptional financial services while fostering a spirit of community support and cooperation. We believe that when our members thrive, so does the community. This belief drives us to offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. Each service is designed with our members' needs in mind, ensuring they have the tools to achieve their financial goals. While members can visit us at 16225 Fort St, official correspondence should be sent to 17250 Newburgh Rd, Livonia, MI 48152. Our branch operates with convenient hours: Mondays and Fridays from 9:30 AM to 6 PM; Tuesdays through Thursdays from 9:30 AM to 5 PM; and Saturdays from 9 AM to 1 PM. We also offer drive-thru banking for quick transactions and ATM access for added convenience. As a testament to our growth and stability, we proudly manage total assets of approximately $839 million. Our innovative approach includes embracing digital advancements like online banking and mobile payments to enhance member experiences while ensuring ADA compliance for all our facilities. Beyond banking services, Zeal Credit Union is deeply committed to giving back. Our partnerships with local organizations and community outreach initiatives are key components of who we are. We actively participate in events that support education, health, and welfare in Southgate and surrounding areas. We invite you to join our growing family at Zeal Credit Union. Experience firsthand how we can help you navigate your financial journey while supporting your community along the way. Connect with us today at Zeal Credit Union or call us at 800-321-8570 to learn more about becoming a member!

Branch Location & Accessibility

Connect with Us

If you have questions or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out! You can call us at 800-321-8570 or stop by during our operating hours. We look forward to welcoming you into the Zeal Credit Union family!

Nearby Landmarks and Accessibility

Located near several local landmarks, our Southgate branch is just a stone's throw away from popular spots like the Southgate Plaza and nearby parks, making it easy for you to swing by while running errands. We offer ample parking right outside our building, ensuring that your visit is hassle-free. For those who may need assistance, our facilities are ADA-compliant, featuring ramps and accessible entrances.

Operating Hours and Services

At Zeal Credit Union, we understand that life can get busy. That's why we're here for you during convenient hours: our lobby is open Monday and Friday from 9:30 AM to 6 PM, Tuesday through Thursday from 9:30 AM to 5 PM, and we even have drive-thru service on Saturdays from 9 AM until 1 PM. This means you can easily drop by before or after work or take care of your banking needs on the weekend! We're proud to provide a variety of services tailored to meet your financial needs from personal banking options like checking and savings accounts to auto loans and credit cards with rewards. Plus, with ATM access available at our location and drive-thru banking for quick transactions, managing your finances has never been easier.

Member Eligibility

Becoming a member of Zeal is like joining a warm and welcoming family that truly cares about your financial well-being. If you're looking to become part of this supportive community, you'll find that eligibility is quite inclusive. Anyone who lives, works, worships, or attends school in the areas we serve can easily join us. This means if you're in the Southgate area or nearby, you're likely already qualified! Plus, being a member opens up a world of benefits tailored just for you, from better rates on loans to personalized service designed with your needs in mind. To start your membership journey at Zeal, simply visit our website at https://www.zealcu.org/become-a-member/ where you can learn more about the specific criteria and get all the details you need. When you're ready to open an account, it's as easy as clicking on this link: https://www.zealcreditunionhb.org/tob/live/usp-core/app/register. If you have any questions along the way, feel free to reach out to us at (800) 321-8570. We're here to help you take this exciting step toward better banking!

Business Banking & Commercial Services

Business Loan Options

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 $148 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,226,083, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions so you can focus on what matters most running your business. Imagine having a reliable partner that provides efficient payment processing options, ensuring that you never miss a sale. Our services are designed to enhance your customer experience while keeping your cash flow steady. Visit us at 16225 Fort St Southgate Mi 48195 in Southgate, MI, or give us a call at (800) 321-8570 to learn more about how we can support your business journey!

Comprehensive List Of Services

Accessibility at Your Fingertips

Our branch features basic drive-thru banking for quick deposits and withdrawals while providing easy access through ATMs for balance checks and cash withdrawals. We strive to ensure that banking with us is not only efficient but also convenient. If you're ready to take advantage of all these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (800) 321-8570 or visit us at 16225 Fort St Southgate Mi 48195 in Southgate, MI. Join us at Zeal Credit Union, where we're committed to helping you navigate your financial journey every step of the way!

Business Banking Services

For our business members, we offer comprehensive business banking services, including merchant services and business loans. We know that running a business comes with its own set of challenges, so we're here to support local entrepreneurs with financial products designed for growth and success.

Digital Banking Convenience

Embracing technology is part of our commitment to you. With our robust online and mobile banking platforms, accessing your accounts has never been easier. You can transfer funds, pay bills, and even send money directly to friends through person-to-person payments all from the convenience of your smartphone or computer. Plus, with our ATM and cash withdrawal services available at numerous locations, getting cash when you need it is simple.

Flexible Loan Choices

In addition to mortgages, we provide personal loans and debt consolidation solutions tailored to help you achieve your financial goals. If you're considering using credit wisely, our credit cards with rewards allow you to earn points on everyday purchases, making each dollar spent work harder for you.

Home Financing Options

Buying a home is one of the biggest decisions you'll make. That's why we offer mortgage loans and refinancing options that make homeownership more attainable. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, our friendly team is here to guide you through every step of the process.

Personal Banking Solutions

We understand that personal finance can be complex, which is why we offer personal banking services designed to simplify your life. With our checking and savings accounts, you can easily manage your money while earning interest on your savings. For those looking to purchase a car, our auto loans and vehicle financing options provide competitive rates to help you get behind the wheel without breaking the bank.

Digital & Online Banking

Key Features

Our online banking services are designed to enhance your experience while ensuring your information is protected. You can enjoy 24/7 access to your accounts, allowing you to check balances, view transactions, and transfer funds at any time. If you need to send money quickly, our person-to-person transfers make it effortless to share funds with friends or family members. For those who prefer mobile banking, our mobile application provides a streamlined experience right at your fingertips. You can manage your accounts on the go, making it easier than ever to stay on top of your finances. Plus, with mobile payments enabled, making purchases has never been simpler or more secure.

Security & Accessibility

Security is a top priority at Zeal. We offer electronic signature authorization to ensure that all transactions are safe and verified. Additionally, you can opt for e-statements which provide a quick and eco-friendly way to keep track of your financial activity without the clutter of paper statements. Whether you're using our website or mobile app, you'll find that accessing your accounts is straightforward and intuitive. Real-time account management helps you stay informed about your finances so you can make better decisions with ease. With all these features combined, Zeal is committed to providing a digital banking experience that meets your needs while prioritizing security and accessibility. Join us today and discover how easy managing your money can be!

Financial Strength

Commitment to Innovation

With $137,477,896 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 $7,068 in used auto loans and a total of $663,177,718 in loans and leases.

Conclusion

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 16225 Fort St Southgate Mi 48195 or call (800) 321-8570 to learn more about how we can help you achieve your financial goals.

Efficient Operations

Our $16,838,934 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 133 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share Accounts: 123,194, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0.

Member Savings and Investments

Members' savings are secured through $25,379,199 in share certificates and $129,820,925 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.

Our Financial Health

With a net worth of $166,089,569, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,976 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

Additional Information

If you're interested in refinancing options or eligibility criteria, please don't hesitate to reach out. You can call us at (800) 321-8570 or visit us at our branch located at 16225 Fort St Southgate Mi 48195 in Southgate, MI. We're here to assist you with all your lending needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can help you achieve your financial dreams today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $114,950,675 in used vehicle loans and $25,751,563 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable pre-owned one, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $5,226,083 provide the capital needed to grow and expand. We're dedicated to supporting local businesses and fostering economic growth within our community.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $92,697,340, make buying or refinancing simple. We strive to make the process as smooth as possible, providing you with the support you need every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $36,994,455 in loans helping members manage their finances effectively. These cards can be a great tool for building your credit while giving you the convenience of easy access to funds when needed.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This rigorous sourcing ensures that users receive fair and transparent offers. Each lender listed on LendMesh is vetted for legitimacy, giving users confidence in their loan choices.

Zeal