The Zeal Credit Union is a home equity line of credit from Zeal Credit Union. The annual fee is no annual fee. The ongoing APR is Variable Rate Home Equity Line of Credit ranges from a minimum of 7.00%, which is the current prime market rate as of September 18, 2026. This rate is subject to change, with a maximum of no more than 18%.. Typical credit limit: The minimum amount is $10,000 and maximum amount is $250,000. Higher amounts may be available at Zeal’s discretion..