With us, it really is personal
Get a loan from a local lender who knows your name, and start making the big things in your life happen.
Personal Loans
A straightforward loan for practically anything. No collateral needed.
Secured Loans
Get an even lower rate by using your savings account to back up your loan.
Credit Builder Loans
Comebacks aren’t just for rappers and sports teams. Start rebuilding.
Rates as low as 9.99% APR*
Plenty of term and payment options. No pre-payment penalties.
Monthly Payment
I have always had a wonderful experience with the CU. When other banks wouldn't give us loans, Zing has come through with not only a loan, but great rates.
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Fill out your personal loan application right here online.
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Denver Personal Loans: Get the Funds You Need Today Disclosures
All loans are subject to credit approval, employment verification, and income verification.
*APR is Annual Percentage Rate. With approved credit and income verification. Rates are subject to change without notice. Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 9.99% APR, the monthly payment would be $21.24 . Must finance $5,000 or more to receive rate as low as APR. Please see our rates.
Personal Loan Rates
Amount | Annual Percentage Rate |
---|---|
Up to $4,999.99 |
|
$5,000+ |
|
Rates effective as of: February 12, 2025
All loans are subject to credit approval, as well as income verification and employment verification. Rates are subject to change without notice.
*Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used.
**Personal Loan Payment Example: For a $5,000 with a 36-month term payments at
***Personal Loan Payment Example: For a $5,000 with a 36-month term payments at
Secured Loan Rates
Account | Annual Percentage Rate |
---|---|
Share Secured |
|
Rates effective as of: February 12, 2025
All loans are subject to credit approval, as well as income verification and employment verification. Rates are subject to change without notice.
Credit Builder Rates
Account | Annual Percentage Rate |
---|---|
Credit Builder |
|
Rates effective as of: February 12, 2025
All loans are subject to credit approval, as well as income verification and employment verification. Rates are subject to change without notice.
Rates
Consumer Loan Rates
Account | Annual Percentage Rate |
---|---|
Auto Loan* |
5.24 - 18.00% |
Motorcycle & Scooter* |
7.99 - 18.00% |
Recreational Vehicle*
|
7.99 - 18.00% |
Recreational Vehicle*
|
7.99 - 18.00% |
Personal Loan
|
12.99 - 18.00% |
Personal Loan
|
9.99 - 18.00% |
Platinum Credit Card
|
12.99% |
Platinum Credit Card
|
18.00% |
Overdraft Line of Credit |
18.00% |
Share Secured |
5.25% |
Credit Builder |
24 mo. CD + 10.00% |
Certificate of Deposit Secured |
Certificate rate + 3.00% |
Rates effective as of: February 12, 2025
All loans are subject to credit approval, as well as income verification and employment verification. Rates are subject to change without notice.
*Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used.
Auto Loan Payment Example: For a $10,000 loan with 60-month term payments at 5.24% APR, the monthly payment would be $18.98.
Motorcycle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
Recreational Vehicle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
Recreational Vehicle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
**Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 12.99% APR, the monthly payment would be $22.75.
***Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 9.99% APR, the monthly payment would be $21.24.
**** Visa Platinum Card is subject to a $25 annual fee. Foreign transaction fee of 1.00% of each multiple currency transaction in U.S. dollars, or 0.80% of each single currency transaction in U.S. dollars applies.
See disclosure for complete details.
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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