Zing empowers people to achieve their goals
Turn great ideas into plans—and plans into reality.
What can we help you with?
Home Equity Line of Credit (HELOC)
Use your Home Equity to pay for the things like education, home improvements, or the vacation you’ve been wanting. It’s a flexible way to use the equity in your home for what matters most to you.
Zing is like your neighborhood bar... everyone knows your name and they will bend over backwards to help. Lorelei at the Mineral Ave branch is amazing... always cheerful and eager to help.
Let us be your financial mentors
We are local.
The key to our success? Supporting the people who make our communities better and stronger.
We bring care to every interaction. Let’s help you get set up today.
We measure our success on the achievements of our members
We Care About Lasting Impact
In 1934, the founders pooled their resources of $50 to create this credit union.
Today, that initial investment has turned into an organization with over $400 million in assets.
Personal & Business Banking | Credit Union in Colorado Disclosures
*APR is Annual Percentage Rate. With approved credit and income verification. Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used. Auto Loan Payment Example: For a $10,000 loan with a 60-month term, payments at 6.35% APR would be $19.49 per $1,000. 0.75% refinance discount is subject to floor rates. May only be combined with the 0.25% member discount. All other discounts are not applicable. Internal refinances are subject to $150 refinance fee unless $1,500 in new money is added to the loan. By adding GAP, the member may avoid the refinance fee or new money requirement. This offer is valid for well-qualified borrowers with a 700 credit score and above. Zing Credit Union reserves the right to discontinue this offer at any time.
**All loans are subject to credit approval and income verification. Must transfer an aggregate of $5,000 or more to qualify. Balance must stay on the card (except monthly payments made) for 90 days. Membership must be in good-standing. $100 will be deposited to the member’s share account 100 days after the balance transfer is made. The incentive is subject to taxation. Zing Credit Union reserves the right to discontinue this offer at any time.
***APR is Annual Percentage Rate. With approved credit as well as income verification and employment verification. Must finance $5,000 or more to qualify for 9.99% APR. Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 9.99% APR, the monthly payment would be $32.26 per $1,000.
Holiday Hours
Holiday Hours
| Wednesday, November 20th | Late Opening – 10:30 am – 5:00pm |
| Thursday, November 28th | Thanksgiving – CLOSED |
| Tuesday, December 24th: Christmas Eve | Early Closure – 9:00 am – 1:00 pm |
| Wednesday, December 25 | Christmas Day – CLOSED |
| Tuesday, December 31st | New Year’s Eve – Early Closure – 9:00 am – 1:00pm |
| Wednesday, January 1st | New Year’s Day – CLOSED |
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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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