Promotions
Clear Skies Ahead
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.
Feel At Home
Refinance with Zia and get 1.00% off APR* your qualifying mortgage rate.
Refinance now, rest easy later—no matter the weather.
*APR=annual percentage rate
Rate discount applies to qualifying borrowers and eligible refinance transactions on owner-occupied primary residences only. Advertised rate reflects a discount of 1.00% below the qualifying rate, subject to underwriting approval, credit qualifications, loan-to-value limits, and property eligibility requirements. Floor rate is 4.50% APR; actual APR may be higher based on creditworthiness and loan terms. Maximum loan amount is $832,700.
Rates, terms, and conditions are subject to change without notice. Must be eligible for membership. Additional restrictions may apply. Property insurance required. Equal Housing Opportunity. Federally insured by NCUA. NMLS # 561868
Lucky Number 7
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?
*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.
ZAP Your Rates
Loyalty Pays! Unlock Better Rates.
The more ZIA products you have, the better rates you get!
At ZIA, we always work to get our members the best rates, and with ZIA loyalty rewards, you unlock lower rates on loans and higher rates on interest-bearing accounts.
ZAP UP your rate on interest-bearing accounts. Have a checking account? ZAP! Have a direct deposit? ZAP! Have a credit card? ZAP again!
ZAP DOWN your loan rates with member rewards. Do you have a checking account? Consumer loan? Share certificate? ZAP, ZAP, ZAP! With auto loans specifically, ask us how to ZAP your rate!