New Member Promotion

Join us at Zing Credit Union

When you become a member of Zing Credit Union between 8/7/2023 and 10/31/2023, and you refer open a checking account and receive a payroll or government direct deposit of $500 or more within 90 days of the membership opening, can earn up to $100.

Use promo code: ZING2023

Who is eligible to join?

People are eligible if they live or work in:

Adams County
Arapahoe County
Jefferson County
Denver County

Family members of current members can join too. People can also become a member by joining Consumers United.

Qualifying Activities You Must Complete to Earn:

Become a member of Zing Credit Union by 10/31/2023. Use promo code: ZING2023 in your application.
Open a checking account by 10/31/2023.
Receive a payroll or government direct deposit of $500 or more within 90 days of the membership opening date

We’ve been around a long time

We’ve been in the game since 1934, which has given us plenty of time to fine tune our financial strategy, service, and commitment.

We love saving you money

We’re not focused on profits or shareholders. We give all our earnings back to our members with lower loan rates and higher interest on accounts.

We promise you the very best service

What can you expect when you interact with Zing? Commitment, stability, and the friendliest people around.

We want you to succeed

We want to be your financial mentor. Each year, we teach thousands of people smart financial strategies through our free financial education program. We also provide free financial coaching.

We’re in good shape

Zing Credit Union is a safe place to put your money. With solid financials, clean audits year-over-year, and the insurance of the National Credit Union Administration (NCUA), you can breathe easy when your money is at Zing.

We’re committed to our communities

We believe in making a positive impact. Zing has been recognized as one of the 50 most civic-minded companies in Colorado. Learn more.

New Member Promotion Disclosures

*Must be eligible for membership by living or working in Adams, Arapahoe, Denver, or Jefferson Counties, be a family member of a current member, or be a member of Consumers United Colorado. Membership
share account is required with a minimum $5 opening balance. Must be 18 or older. Must use promo code ZING2023 on the online member application to qualify. If applying for membership in a branch, please present marketing collateral with the promo code referenced in order to qualify. Must open a checking account by 10/31/2023 and have at least one payroll or government direct deposit of $500 or more within 90 days. Account must be open and in good standing at the time of qualification to receive $100 new member incentive. $100 new member incentive will be deposited to the share account within 100 days of account opening. Subject to taxation. May not be combined with other offers. Employees of Zing Credit Union are not eligible. Promotional period is 8/1/2023-10/31/2023. Zing Credit Union reserves the right to modify or end this promotion at any time, without notice.

Truth In Savings Disclosure

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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Preferred Checking

Clear Card

Second Chance Checking

Minimum Opening Balance

Suggested opening amount- $25

ID Safe Choice Charge Possible

Yes

Direct Deposit

Accepted and encouraged

Dividends Paid

Privilege Pay

Available after 90 days

Overdraft LOC

Available immediately, with approved credit

ATM/Debit Card

Instant Issue

Shared Branching

Available

Free Bill Payer