What Is Generation Zing?
Generation Zing Is Not an Age. It Is an Attitude. Meet the community that believes the right knowledge, tools and support can bring more possibility to every next chapter.
A little more confidence. A lot more possibility.
Generation Zing is Zing Credit Union’s community and financial-wellness philosophy for people who believe their next chapter can be stronger with the right knowledge, tools and support. It is not an age group and it is not another name for Generation Z. It is a mindset built around fresh starts, meaningful progress and the confidence to go after what comes next. Whether you are opening your first account, rebuilding after a setback, buying a home, saving for something big or simply ready to feel better about money, there is room for you in Generation Zing.
Generation Zing, defined
Generation Zing means choosing progress over perfection.
It is a community of first-timers, experienced savers, credit rebuilders, homebuyers, dreamers and doers who believe money should create opportunity.
GenZingers do not all look the same. They are not all the same age, and they do not start from the same place. What connects them is the belief that the right financial partner can help turn “maybe someday” into a plan.
At Zing Credit Union, that means combining useful financial tools with clear education, human support and a little extra energy for whatever comes next.
Generation Zing at a glance
What it is: A community, mindset and financial-wellness philosophy
What it is not: An age bracket or another term for Generation Z
Who it is for: People ready to start, restart, build or keep moving forward
What supports it: Financial tools, education, coaching and personal service from Zing Credit Union
What matters most: Confidence, opportunity and real-life progress
Is Generation Zing the same as Generation Z?
No.
Generation Z usually refers to an age-based demographic. Generation Zing is not defined by the year you were born.
You can be opening your first checking account or your fiftieth. You can be building credit, planning retirement, saving for a first home, paying down debt or preparing for a brand-new chapter.
Generation Zing is about the energy to move forward and the belief that people deserve a financial institution that helps them do it.
What does Generation Zing stand for?
Generation Zing is for every generation
The word “generation” is in the name, but a birth year is not the point.
Generation Zing includes people who are:
- Learning how to manage money for the first time
- Rebuilding after financial challenges
- Saving for a home, vehicle or meaningful milestone
- Working toward stronger credit
- Looking for a local financial partner
- Preparing for their family’s next chapter
- Ready to feel more informed and in control
Anyone can connect with the Generation Zing mindset. Becoming a member of Zing Credit Union is subject to the credit union’s membership eligibility requirements.
Why is Generation Zing powered by a credit union?
Because at a credit union, members matter differently.
Zing Credit Union is a member-owned, not-for-profit financial cooperative. When someone becomes a member, they are not simply a customer; their required Share Savings deposit represents ownership in the credit union.
Zing has served Denver-area communities since 1934. Its member-owned structure allows it to focus on member value, financial education, personal service and community impact. Deposits are federally insured by the National Credit Union Administration, subject to applicable coverage rules and limits.
Who can join Zing Credit Union?
You may currently be eligible to join Zing Credit Union if you:
Live or work in Denver, Adams, Arapahoe or Jefferson County, are an eligible family member of an existing Zing member or qualify through membership in Friends of the GoWest Foundation.
A $5 deposit into a Share Savings account establishes membership and ownership in the credit union. Eligibility requirements can change, so applicants should review the current membership information before applying.
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Generation Zing is Zing Credit Union’s community and philosophy for helping people build financial confidence with useful tools, education and human support. It is a mindset centered on fresh starts, progress and greater possibility.
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No. Generation Z is an age-based demographic. Generation Zing is not based on age or birth year.
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No. Generation Zing is for people of every generation and at every stage of their financial lives.
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No. Generation Zing is the name of Zing’s broader community and financial philosophy. Zing Credit Union separately offers checking accounts, savings accounts, digital banking, loans and other financial services.
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A GenZinger is someone who shares the Generation Zing mindset: a person ready to learn, build, restart or make progress toward a financial goal.
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No. Zing is a member-owned, not-for-profit credit union. Members have an ownership interest through their Share Savings account.
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Yes. Deposits at Zing Credit Union are federally insured by the National Credit Union Administration, subject to federal insurance limits and account-ownership rules.
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Anyone can embrace the Generation Zing mindset. To use Zing Credit Union’s products and services, you must meet its membership eligibility requirements and complete the membership application.
Your next chapter could use a little more Zing
You bring the goal. We will bring the tools, guidance and encouragement to help you move it forward. Whether you are starting from scratch, building momentum or planning something big, you already have the spark. Let’s put it to work.
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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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