Promotions

Break Free from a Stormy Rate

If your auto loan feels clouded by high rates, it might be time for clearer skies. Refinancing your car or truck with Zia could lower your rate, reduce your monthly payment, and help you reach the finish line sooner.

*APR=Annual Percentage Rate. Membership eligibility required. Zia reserves the right to extend, alter, or cancel this promotion at any time. Approved rate will be the higher of these: either 2.00% APR less than member’s current external auto loan rate or Zia’s current minimum floor rate. New rate cannot be lower than Zia’s minimum floor rate. Must meet loan qualifying criteria. All auto loans are subject to credit approval. Loans financed through dealer or manufacturer at 0.00% are ineligible. Proof of current, external rate required. †No payment for 70 days, whereby the first payment is extended up to 70 days from the date the loan is funded. Finance charges will begin to accrue when the loan is funded, and negative amortization may occur. See credit union for more details.

Want to feel like a winner every single day? At Zia, you can! How? 

We are offering a seven-month share certificate with a high rate of 3.72% APY*! Earning this much on your savings is guaranteed to make you feel like you hit the jackpot. 

To make this deal even better, our members can ZAP their rate and earn up to 4.22% APY*, just for having other products and services with us. 

The more you have, the better rate you get! At Zia, we make members feel like winners every day. It's what we do. Now the only question to ask is when do you want to win?

Learn More About Zap Rewards

*APY = Annual Percentage Yield, accurate as of 06/01/2025. Minimum balance required is $1,000.00. Effective 06/01/2025. Early withdrawal penalties apply. See credit union for details. Base APY is 3.72% effective 06/01/2025. 4.22% APY includes all rate ZAPs at 0.10% each, 5 total. Federally insured by NCUA. 

Life has its seasons. And like the sun, Zia is there through each one. Wherever our members are in life, we’re here for them.

If you’re striking out on your own, Zia can help you learn to manage your finances. It’s increasingly difficult to exist and function in the modern world without a checking account, but checking accounts aren’t interchangeable. We offer four different checking accounts, so whether it’s only to pay your bills or maybe go on an occasional adventure, you’re covered. But even when your expenses are managed, Zia wants to help you save up for that big purchase you’ve been thinking about, or help you prepare for when life delivers the unexpected.

Perhaps you’re not just setting out on your financial journey. Perhaps support has run out, if it was there to begin with. Zia can help you too. Life happens to all of us no matter how prepared we are, and sometimes a fresh start is all you need. We can light the way to your financial recovery, whatever that looks like. Rebuilding your credit, paying down existing debt, or getting your finances in order, we’ve seen it all. And we’re here to help you grow and regrow.

No matter the challenge, Zia is here for you. The sun that shines on someone just starting their financial journey offers the same sunlight to those in need of a fresh start. Regardless of which path you walk, Zia is lighting your way.