{"id":25777,"date":"2022-07-27T13:13:48","date_gmt":"2022-07-27T17:13:48","guid":{"rendered":"https:\/\/www.zealcu.org\/?page_id=25777"},"modified":"2025-09-29T17:11:53","modified_gmt":"2025-09-29T21:11:53","slug":"home-equity-loans","status":"publish","type":"page","link":"https:\/\/www.zealcu.org\/home-equity-loans\/","title":{"rendered":"Home Equity Loans"},"content":{"rendered":"
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For homeowners, equity is the difference between your home\u2019s value and the amount you owe on your mortgage. The difference can be used to accomplish many things, such as home improvements, auto repair, adoption and surrogacy, and paying off higher education costs. We have multiple options to help you effectively accomplish the things that are most important to you.<\/p>\n\n\n\n

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Plus, we have options! Solutions include a Home Equity – Fixed Rate Loan<\/strong> with rates as low as 5.50% APR*<\/strong>, or you can also consider our Home Equity Line of Credit (HELOC)<\/strong> for a revolving option with an available balance you can continue to borrow from as needed.<\/p>\n\n\n\n

To APPLY TODAY, select the applicable-to-you<\/em> option and application button below<\/strong>:<\/p>\n\n\n

\n Rates<\/a>\n<\/div>\n\n\n\n
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To learn more, call a Zeal Home Equity Lending Expert<\/em> at 800-321-8570.<\/a><\/em><\/p>\n\n\n

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Home Equity Loan – Fixed Rate <\/h5>\n
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We have options for you to tap into your home’s equity with great rates, <\/a>no application fee, no annual fee, and no early termination fee.<\/p>\n

To apply, select the button that applies to you, below, and get started TODAY!<\/b><\/p>\n\n <\/div>\n <\/div>\n

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\n Member <\/a>\n <\/div>\n
\n New Member<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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Home Equity Line of Credit (HELOC)<\/h5>\n
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We have options for you to tap into your home’s equity with great rates, <\/a>no application fee, no annual fee, and no early termination fee.<\/p>\n

To apply, select the button that applies to you, below, and get started TODAY!<\/b><\/p>\n

 <\/p>\n\n <\/div>\n <\/div>\n

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\n Member<\/a>\n <\/div>\n
\n New Member<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n\n\n

Fixed Home Equity Loan Disclosure:<\/p>\n\n\n\n

*APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity. Fixed Closed Home Equity Loan, advertised rate of 5.50% is effective as of 9\/1\/2025. Actual rate based on member\u2019s creditworthiness, loan amount, loan to value, and term. The Home Equity Loan terms are 5, 10, or 15 years. Advertised rates are for informational purposes. Rates are subject to change at any time and without notice. For the most up to date rate information, please contact a Zeal mortgage representative directly. Fixed Closed Home Equity Maximum Loan to Value is 90%. Property must be in the State of Michigan. The minimum amount is $10,000 and maximum amount is $250,000. Homeowner\u2019s property insurance is required, and flood insurance may be required. Other restrictions may apply. Membership eligibility is required.<\/p>\n\n\n\n

Home Equity Line of Credit Disclosure:<\/p>\n\n\n\n

**APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity lender. Variable Rate Home Equity Line of Credit ranges from a minimum of 7.25%, which is the current prime market rate as of 9\/18\/2025. This rate is subject to change with a maximum of no more than 18%. Actual rate is based on loan amount, loan to value, and individual creditworthiness. Advertised rates are for informational purposes. Rates are subject to change at any time and without notice. For the most up to date rate information, please contact a Zeal mortgage representative directly. Home Equity Line of Credit Maximum Loan to Value 95%. Property must be in the State of Michigan. The minimum amount is $10,000 and maximum amount is $250,000. Homeowner\u2019s property insurance is required, and flood insurance may be required. Other restrictions may apply. Membership eligibility is required.<\/p>\n\n\n\n

***Zeal covers all costs related to closing and appraisal. There is no annual fee. If the applicant elects to have a full appraisal it will be at the applicant\u2019s expense.
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Zeal Credit Union is Federally Insured by NCUA. Zeal Credit Union is an Equal Housing Lender, NMLS ID 408356. Mortgage Center is also an Equal Housing Lender, NMLS ID 282701.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

For homeowners, equity is the difference between your home\u2019s value and the amount you owe on your mortgage. The difference can be used to accomplish many things, such as home improvements, auto repair, adoption and surrogacy, and paying off higher education costs. We have multiple options to help you effectively accomplish the things that are … Continued<\/a><\/p>\n","protected":false},"author":29,"featured_media":33270,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"views\/template-standard-page.blade.php","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"folder":[],"class_list":["post-25777","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nHome Equity Loans - Zeal Credit Union - Apply Today for a Home Equity Loan!<\/title>\n<meta name=\"description\" content=\"Home Equity - Fixed Rate and Home Equity Line of Credit\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zealcu.org\/home-equity-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Equity Loans - 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