The Zeal Credit Union is a home equity loan from Zeal Credit Union. The ongoing APR is as low as 5.50% 5 Year Term; as low as 6.25% 10 Year Term; as low as 7.00% 15 Year Term; as low as 7.75% 20 Year Term. Rates current as of 10/1/2026.. Typical credit limit: The minimum amount is $10,000 and maximum amount is $250,000..