Congratulations on opening your new account!
At Zing Credit Union, you’re not defined by your account balance. As a member and co-owner, your voice is valued, and your financial well-being is our priority. We are dedicated to delivering exceptional service and trustworthy financial products. On behalf of our Board of Directors and the entire Zing team, we warmly welcome you. It is our privilege to serve you.
Get to know our team
Meet Kristi, our Real Estate Lending Manager. With over 20 years at Zing, Kristi brings deep experience and a warm, member-first approach to every home-buying journey.
Meet Lawrence, our Consumer Lending Manager. He’s been part of the team since 2011 and is dedicated to helping members feel confident in choosing the right loan.
Meet Adriana, our Acoma Branch Manager. Here since 2015, Adriana brings warmth, expertise, and bilingual support to help every member feel at home.
Meet Josh, our Mineral Branch Manager. He's been at Zing for over 10 years and is always eager to help members out.
Meet Vanessa, our Federal Branch Manager. Since 2014, she’s been guiding members with friendly service, deep knowledge, and bilingual support.
Meet Katie, our Mineral Branch Manager. With years of experience and a warm leadership style, she’s here to make your banking simple, clear, and stress-free.
Meet Yari, our Andrews Branch Manager. She brings fresh energy, strong leadership, and a genuine commitment to helping every member feel supported.
Meet Ana, our Contact Center Manager. With Zing since 2019, she leads our team with warmth, expertise, and a commitment to making every call a positive experience.
Meet Maria, our Business Services Program Director. Bilingual and experienced, she’s been with Zing since 2014 and is dedicated to helping local businesses grow with confidence.
Where to find us around Denver
Zing Credit Union has 5 convenient locations in the Denver metroplex:
1. Zing Credit Union – 1075 Acoma St
• Downtown Denver branch – Central Denver location.
2. Zing Credit Union – 3299 W Alameda Ave
• West Denver (Alameda) branch.
3. Zing Credit Union – 1095 Federal Blvd
• Federal Boulevard location in Denver.
4. Zing Credit Union – 15460 E Andrews Dr
• Northeast Denver area branch.
5. Zing Credit Union – 101 W Mineral Ave #100
• South branch in Littleton.
Locations
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How To Videos
Learn more about Shared Branching and fee free ATMs
Learn how to deposit your check instantly with our step-by-step guide!
Here’s HOW TO get our app to move money around, access fast support, and apply for loans!
Commercial Online Banking
Our online and mobile banking platform has everything a business needs, including payroll, ACH tools, and Quickbooks connectivity.
Getting Started
Document requirements vary by business. See what you’ll need with our checklist!
Community Partners
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TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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