The Zeal Credit Union is a personal credit card from Zeal Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is Visa Classic – Variable as low as 12.75% APR; Visa Classic – Fixed as low as 11.90% APR. Rates valid as of September 18, 2026. Variable Rate Information based on Wall Street Journal Prime Rate.. Typical credit limit: Up to $4,999. This product reports activity to your personal credit report.