The Zeal Credit Union is a personal loan from Zeal Credit Union. The ongoing APR is Unsecured Personal Loan (< $5,000) as low as 9.99% 12 – 48 months; Unsecured Personal Loan ($5,000 or more) as low as 10.99% 12 – 60 months; as low as 11.49% 61 – 72 months; as low as 12.49% 73 – 84 months. Rates as of October 1, 2026.. Typical credit limit: The minimum loan amount is just $500.. Loan terms: 12 – 48 months; 12 – 60 months; 61 – 72 months; 73 – 84 months (by loan amount).