Generation Zing!
Where new beginnings get their jumpstart. Reignite your excitement for the future!
Here at Zing Credit Union, you’re a part of something much bigger than an age bracket or target group. You’re a part of a philosophy, an attitude, a belief that your financial institution should provide you with knowledge, trust and energy that changes your life.
It’s already within you, and now you’ve found your community! Generation Zing is full of people who believe that with the right financial partner, your future can be anything you dream it to be. Your home? Right here with the rest of the GenZingers at Zing Credit Union.
Checking
Our custom-made Checking accounts allow GenZing to enjoy access to 30,000 fee-free ATMs nationwide and 5,000 shared branches, rewards that push you toward your goals, and even a little extra cash every month.
Savings
We have savings accounts for every goal with the ease and convenience that keep you doing what you’re meant to do. So, focus on creating, spending time with family and adventuring, we’ll keep your finances headed in the right direction!
Digital Banking puts GenZingers in the driver’s seat of their finances.
With our full suite of Digital Banking products. Control, knowledge, and freedom are the keys to building a future to be proud of!
Home Loans
While you’ll always have a “home” at Zing Credit Union, we believe that with the right tools and support, anyone can become a true homeowner. That is why we offer several home loan types including a 3% down first mortgage loan.* Plus, GenZingers get access to dozens of online, in-person and third party resources that help you navigate the path to homeownership.
Auto Loans
When it comes to auto loans, our goal isn’t just to help you finance a vehicle, it’s to help you find a financing option you love as much as your new ride! With great rates and a chance at 90 days with no payments, you’ll be jamming out in your new car in no time.**
Well, what are you waiting for?
You’re already a part of Generation Zing! Come meet your community and start making unparalleled progress today at Zing Credit Union!
Personal & Business Banking | Credit Union in Colorado Disclosures
Must live or work in Denver, Adams, Arapahoe, or Jefferson County to be a member of Zing Credit Union. Family members of current members are eligible for membership. May also become member of Zing Credit Union by becoming a member of the Friends of the GoWest Foundation. A $5 deposit is required into a share account at account opening.
*Subject to credit and loan to value. All mortgages are subject to a 1% origination fee. 3% down on a $250,000 mortgage is equal to $7,500. Properties must be located in Colorado. For complete mortgage rate details, please contact our Mortgage Lending Department by calling 303-573-1170, or contacting us.
**With approved credit and collateral approval. 90 days of no payments are for well-qualified borrowers with A or B credit. Negative amortization may occur.
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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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