Covid-19 Help and Information

Our branch locations and drive-thrus are open. If you would like to skip a trip to a branch, please use our service request form. Zing's routing number is 302075694. Use the drop down sections below to find important banking and service information and resources.

View Locations Service Request Form

Branch locations are open with a limited capacity. However, we strongly encourage you to still use alternative methods for receiving service including using drive-thrus, online and mobile banking, or giving us a call.

Masks Requirements: Masks are not required for our members or guests that are vaccinated. We ask that you wear a mask if not vaccinated based on CDC guidance. Please continue to respect the safety of staff and members and do not enter branches if you are sick or experience symptoms of COVID-19, or have recently been in contact with someone who has a confirmed or suspected case. Other branch safety protocols remain.
Payment Deferment

If you are experiencing hardship, and need assistance, please request information about our loan payment deferment program. Request information using the form below. Please note that credit card payments and Home Equity Line of Credit (HELOC) payments are not eligible for deferment. If you are requesting a third deferment, please call 303-573-1170. Third deferments may require additional documentation including but not limited to a letter of hardship, your 2019 W2, 2019 federal tax returns, two recent pay stubs, and your account statements.

Request Deferment Information

If you need assistance with a mortgage payment and your mortgage is serviced through one of Zing Credit Union’s service partners, please contact your servicer directly. Below is the contact information for making a payment deferment request for both of our servicing partners.

Pivot Servicing Group
Website: https://pivotservicing.com/ (You may make an online payment deferment request on this site.)
Phone: 303-952-1070

Midwest Loan Services
Email: lossmit@midwestloanservices.com
Phone: 1-800-262-6574
Have peace of mind knowing that Zing Credit Union has been a long-standing trusted financial partner since 1934. In fact, we were ranked as on of 2020’s Top 200 Healthiest Credit Unions as rated by DepositAccounts.com. We believe in serving our membership in a safe and secure manner that ensures your credit union will be here for generations.

Plus, Zing Credit Union is Federally Insured by the National Credit Union Administration (NCUA). Learn more about how your deposits are insured by visiting the NCUA’s Share Insurance webpage.
Our online and mobile banking platforms offer a robust suite of tools to manage most banking needs from the comfort of your home!

What You Can Do
- Transfer money between accounts
- View transaction history
- Remotely deposit checks with Mobile Check Deposit
- Pay bills through Bill Payer
- Send secure messages to the credit union
- Access statements if you are enrolled in e-Statements
If you are not currently enrolled to use online and mobile banking, you can get started here, or call us at 303-573-1170.
e-Learning

Zing offers free e-Learning financial education! The interactive e-courses are mobile compatible and require no downloads. Each topic is 2-7 minutes long, and learners can select any topic of interest. Topics include family conversations about money, building savings, identity protection, home buying, credit, among other topics.

Explore Courses

Financial Coaching

We continue to offer one-on-one financial coaching via virtual channels. Financial coaching can be conducted over the phone or over a video conference meeting. Please use the secure form below to request financial coaching.

Request Coaching

Classes

To protect our members and community, all in-person classes have been cancelled.

Unfortunately, during difficult times we see an increase in scams and fraud. The resources below can help provide information about avoiding scams, fraud, and protecting your personal information.
- Stop Fraud Colorado – Follow Stop Fraud Colorado’s Facebook and Twitter pages for the most up-to-date information regarding scams and fraud.
- Federal Trade Commission
- Staying Safe in the Digital World
- Protecting Your Identity e-course
- Internal Revenue Service
If you are in a difficult situation and need support, the following community resources may be able to help.
- For information about COVID-19 stimulus checks, please visit the IRS page at IRS.gov/eip.
- Visit the State of Colorado’s Covid-19 resource page at StayAtHomeCO.colorado.gov.
- Call 2-1-1 to get connected to food, shelter, childcare, and other critical resources 24/7. You can also live chat or search United Way Denver’s online database at 211colorado.org.
- For children needing access to meals while Colorado schools are closed due to coronavirus, find a meal location on this interactive meal distribution map.
- To apply for unemployment and find unemployment resources, visit ColoradoUI.gov.
- Visit the City & County of Denver’s website for a list of Support Services for residents and business owners.
- Call 3-1-1, then press 6, for emergency rent or utility assistance for City & County of Denver residents.
- If you are looking for ways to help out during this time, please visit HelpColoradoNow.org.
- If you are a Coloradan impacted by job loss during the COVID-19 Pandemic, visit OnwardCO.org to get connected with job opportunities and resources based on your preferences and location.
Business Resources

As mandated restrictions impact small businesses, we want our business members to know that we are here to help.

If you have questions or concerns about your account, please contact our Business Services Program Director, Maria Gutilla, at 303-573-1170 ext. 1748, or please send a secure message using the secure form below.

Business Contact Form

To learn more about Payroll Protection Program, PPP loan forgiveness, or to apply, start with the link below.

Paycheck Protection Program Loan Forgiveness

If you have general questions regarding the SBA’s loan programs, please submit them below.

SBA General Questions

For more information, updates and community resources for businesses visit the following:
- Small Business Administration – Colorado small businesses impacted by COVID-19 can now seek individual small business loans up to $2M as part of the Small Business Administration’s Economic Injury Disaster Loan program.
- United States Bartenders Guild Bartender Emergency Assistance Program
- Restaurant Workers’ Community Foundation
- Colorado Office of Economic Development and International Trade
- Rocky Mountain MicroFinance Institute COVID-19 Resources for Entrepreneurs and Small Businesses
- City & County of Denver Support Services
- Denver Metro Chamber of Commerce
Zing Credit Union will continue to monitor community resources for opportunities for businesses to learn about options available at this time.
Great news! Even during this time, Zing Credit Union is still accepting members! If you want to be part of a financial institution that believes in serving its members, and communities, Zing Credit Union may be the credit union for you! Plus, deposits are Federally Insured by the NCUA, and we are ranked one of the Healthiest Credit Unions in the nation by DepositAccounts.com!

Businesses can join too!

We welcome businesses to join Zing too! If you are interested in opening a business account with Zing Credit Union, apply below.

Apply for Business Membership

To become a member of Zing Credit Union, you must live or work in Denver, Adams, Arapahoe, or Jefferson counties, be a family member of a current member, or a member of Consumers United Colorado. A $5.00 share deposit is required at the time of account opening.
Auto loan rates have dropped substantially in the last month. If you have equity in your car, you may be able to refinance, save money, and get some extra cash. This is helpful for borrowers that are still employed, but simply want to build up some cash and lower their auto loan rate.

Apply Now

Visit our auto loan calculators to estimate payments and potential savings.

All loans are subject to credit and collateral approval.

Frequently Asked Questions

Are you open?

Yes. We are open to serve our members. For branch hours and locations, please visit our branches and ATMs page.

Do I need to wear a mask to enter a branch?

Yes. Please follow all signage and instructions upon your arrival to a branch. Together we can help reduce the spread of the coronavirus.

Truth In Savings Disclosure

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.

Checking Comparison Chart

Compare Checking Accounts

Preferred Checking

Clear Card

Second Chance Checking

Minimum Opening Balance

Suggested opening amount- $25

ID Safe Choice Charge Possible

Yes

Direct Deposit

Accepted and encouraged

Dividends Paid

Privilege Pay

Available after 90 days

Overdraft LOC

Available immediately, with approved credit

ATM/Debit Card

Instant Issue

Shared Branching

Available

Free Bill Payer

Available

Mile High APY

Yes

N/A

Yes

5 Buck Club

Yes

Covid-19 Help and Information

Frequently Asked Questions

Get the App

Truth In Savings Disclosure

TRUTH IN SAVINGS DISCLOSURE

Checking Comparison Chart

Compare Checking Accounts

Online Education

Borrower Checklist

Estimate your payment

Estimate your payment

Schedule a time to talk

Estimate your payment