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Home Loans

FlexFive A FlexFive Home Loan is an adjustable rate mortgage that allows you to purchase or refinance your home with longer terms than a Home Refinance Loan, without paying any closing costs or origination fees. Apply Now
Rate APR as low as**
Adjustable rate: 240 months, rate reset every 5 years* 3.59%
Adjustable rate: 360 months, rate reset every 5 years* 3.79%
Rates effective as of 04/23/2014
  • * Advertised APRs are based on auto-pay discount, term of loan, and excellent credit history. Rates subject to change without notice. No points, closing costs or third-party fees. First lien position required. Property values will be determined by lender—any external appraisal requested by borrower will be at the borrower's expense. Limited to owner-occupied property with up to 80% combined loan-to-value. Other plans and APRs are available; restrictions apply.
  • ** APRs are variable and the APR and monthly payment is subject to change every 5 years. At time of adjustments, the rate will not be lower than 3.64% regardless of the fully indexed rate at the adjustment time. Maximum rate is 9.99%. Rate is based on the Five -Year Long- Term Fixed Rate Bullet, Federal Home Loan Bank Seattle (www.fhibsea.com).
  • Sample Payment Schedule based on a $100,000 loan (samples do not include amounts for taxes and insurance premiums):
    • Variable APR with a 240 month term, initial 60 monthly payments (fixed for the first 5 years) are $584.60 followed by 180 monthly payments of $610.73. (APR and monthly payments subject to change at each 5 year adjustment.)
    • Variable APR with a 360 month term, initial 60 monthly payments (fixed for the first 5 years) are of $459.72 followed by 300 monthly payments of $484.48. (APR and monthly payments subject to change at each 5 year adjustment.)
  • Variable APR with a 360 month term, initial 60 monthly payments (fixed for the first 5 years) are of $465.39 followed by 300 monthly payments of $494.28. (APR and monthly payments subject to change at each 5 year adjustment.)
Home Equity Credit Lines A Home Equity Credit Line allows you to borrow against the equity in your home whenever you need it. In most cases the interest is tax deductible (be sure to consult your tax advisor). Apply Now
Credit Limit APR as low as**
Up to $24,999.99 5.25%
$25,000 - $49,999.99 4.75%
$50,000 - $99,999.99 3.74%
$100,000 - $1,000,000.00 3.74%
Rates effective as of 04/23/2014
  • * For a LockSelect loan: Minimum loan amount of $2,500 and $25 fee per loan applies. For terms up to 60 months, the rate is variable based on the 5-year swap as published in the Wall Street Journal (currently 0.83% as of 11-26-12) plus a margin. The margin is determined based on credit history. For terms from 61 to 120 months, the rate is based on the 10-year swap as published in the Wall Street Journal (currently 1.73% as of 11-26-12) plus a margin. The margin is determined based on credit history. The rate, once established, won’t change during the term of the loan. Property insurance is required. Other restrictions may apply and rates are subject to change at anytime.
  • ** Credit approval required. APRs are variable, subject to change monthly and based on the Prime Rate as published in the Wall Street Journal, currently as of 04/23/2014. The minimum APR is 3.74% and the maximum APR is 21%. A commitment of $50,000.00 or higher, first lien position, owner-occupied, 80% loan-to-value and excellent credit history are required to obtain lowest advertised APR; other APRs are available. An Early-Closure Fee up to $350 for terminating the plan within the first 3 years. Property insurance required. Rates and offer subject to change without notice. Other restrictions apply, see your Financial Center for details.
Home Equity Loans If you want the tax benefits of a home equity loan with a fixed repayment term and interest rate, the Zions Bank Home Equity Loan may be for you. Apply Now
Rate APR as low as**
Fixed rate: 60 months 4.69%
Fixed rate: 120 months 5.19%
Adjustable rate: 180 months, rate reset after 120 months** 5.29%
Adjustable rate: 240 months, rate reset after 120 months*** 5.39%
Rates effective as of 04/23/2014
  • * APR based on autopay discount, Gold Checking discount and term of loan; rates subject to change without notice. Excellent credit history is required to obtain lowest advertised APR; other APRs are available. No points, closing costs or third-party fees. Property values will be determined by lender—any external appraisal requested by borrower will be at the borrower's expense. Limited to owner-occupied property with up to 80% combined loan-to-value; maximum loan-to-value determined by your credit score. Property insurance required. Other plans are available. Other restrictions apply. Contact Financial Center for details.
  • ** The APR is variable and subject to change after 10 years. The minimum APR is 4.25% and the maximum APR is 21%. The APR and monthly payment can change no more than once after the 10th year.
  • *** The APR is variable and subject to change after 10 years, followed by 1 periods of 5year rate resets. The minimum APR is 4.25% and the maximum APR is 21%. The APR and monthly payment can change no more than twice after the 10th year.
  • ADDITIONAL RESTRICTIONS FOR LOANS SECURED BY MANUFACTURED HOME WITH LOT: Higher rate/APR applies. Fees, closing costs and third-party fees will be imposed on the borrower.
  • Maximum 75% loan-to-value.
  • Sample payment schedule based on a $50,000 loan:
    • 60 monthly payments of $936.48
    • 120 monthly payments of $534.98
    • 180 monthly payments of $402.99 (APR and monthly payments subject to change during loan term)
    • 240 monthly payments of $340.84 (APR and monthly payments subject to change during loan term)
Home Refinance Loans A Home Refinance Loan allows you to refinance your home without paying any closing costs or origination fees. Apply Now
Rate APR as low as**
Fixed rate: 84 months 3.59%
Fixed rate: 120 months 4.09%
Adjustable rate: 180 months, rate reset after 120 months 4.29%
Rates effective as of 04/23/2014
  • Loans subject to credit approval; restrictions apply.
  • ** Advertised APRs are based on auto-pay discount, term of loan, and excellent credit history. Rates subject to change without notice. No points, closing costs or third-party fees. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant's expense. Limited to owner-occupied property with up to 80% loan-to-value. Property insurance required. Other plans and APRs are available; restrictions apply.
  • ADDITIONAL RESTRICTIONS FOR LOANS SECURED BY MANUFACTURED HOME WITH LOT:
    Higher rate/APR applies. Actual third-party costs will be assessed. Maximum 75% loan-to-value.
  • Sample Payments schedule based on a $100,000 loan (samples do not include amounts for taxes and insurance premiums):
    • Fixed rate 84 month term, monthly payments of $1,348.09
    • Fixed rate 120 month term, monthly payments of $1,016.73
    • Variable rate 180 month term, initial 120 monthly payments (fixed for the first 10 years) are $754.30, followed by 60 monthly payments of $754.30. The variable APR is subject to change and may increase at the 10 year adjustment, the minimum APR is 3.79% and the maximum APR is 9.99%. The APR and monthly payment can change no more than once for the remaining 5 years. Rate is based on the Five-Year Long-Term Fixed Rate Bullet, Federal Home Loan Bank Seattle (www.fhibsea.com).
Construction Loans Enjoy a low rate on new construction or major remodels — and with only one closing. Dont delay. Build or remodel your dream home now. Apply Now
Rate APR as low as**
Fixed Rate: 9 month construction period 3.490%
Variable Rate: 30 year loan period (rate is fixed for first 5 years and may increase after that) 3.500%
Adjustable Rate Mortgage: One-time close construction to permanent owner occupied 3.303%
Rates effective as of 04/23/2014
  • * Rates quoted are as of September 3, 2013; offer is subject to change anytime. Advertised 3.303% APR with 3.490% fixed rate for up to 9 month construction period and 3.500% variable rate (fixed for first 5 years) for permanent loan period is available. Rate may increase after consummation and is based on an index plus a margin. Important terms and conditions for advertised loan: 1) Permanent loan is a 30-year amortized, 5/1 ARM where the interest rate charged is based on a variable rate and is fixed for the first 5 years (no rate adjustments occur during this time frame) and adjusts annually thereafter for the rest of the loan period. 2) Best credit applies. 3) Collateral must be first lien, residential property located in Utah or Idaho and 20% down payment. 4) Standard fees apply (origination, appraisal, inspections, title policy, recording, etc). Information provided is based on estimated interest rates and loan fees; your actual APR and permanent loan rate may be different. Other rates, terms and products are available. Subject to credit and collateral approval; other terms and conditions apply. Contact Financial Center for details.
  • Payment information: Construction loan period (up to 9 months) - monthly payments of interest-only, calculated on the outstanding principal balance. Permanent loan period - (Payment examples are based on estimated information: Loan amount of $200,000, advertised variable rate of 3.500%) Initial 5 year monthly payment is $898.09, followed by 25 years of monthly payments that could be as high as $1,546.92. Payments do not include amounts for taxes and insurance and your actual payment may be higher.
Home Financing Whether you are looking to purchase, refinance or build a home, we can help. Zions Bank offers the assurance of working with a trusted financial institution and provides a convenient way of applying for a mortgage. Learn More

Auto Loans

Auto Loan Finance your new (and sometimes used) automobile and get up to 100% financing, including taxes, licensing, approved warranty contracts, credit life and disability insurance. Apply Now
Rate Rate as low as* APR as low as**
60-month Fixed rate $20,000+ 3.09% 3.21%
Rates effective as of 04/23/2014
  • Minimum Automobile Loan amount is $2,500.
  • *APR based on credit history, length and amount of loan, and auto-pay discount from a Zions Bank Gold Checking account. Credit approval required. Lowest rate and APR available to the most qualified borrowers with a loan amount of $20,000 or more. Fees associated with loan origination. Other rates and plans are available. Other restrictions apply; see Financial Center for details. Rates are as of 04/23/2014 and are subject to change without notice.
  • Sample Payment Schedule based on a $20,000 loan: 60 monthly payments of $363.75
RV Loan Zions Bank can help you enjoy the West's recreational opportunities with financing for your new or used motor home, travel trailer, boat, motorcycle or snowmobile. Apply Now
Rate Rate as low as* APR as low as**
New RV (120 months) Fixed rate $20,000+ 4.99% 5.07%
Rates effective as of 04/23/2014
  • Minimum RV Loan amount is $2,500.
  • *APR based on credit history, length and amount of loan, auto-pay discount and Gold Checking discount.
  • Subject to credit approval and collateral evaluation.
  • Lowest rate and APR available to the most qualified borrowers with a loan amount of $20,000 or more. Fees associated with loan origination.
  • Loan-to-value limits apply - contact your Financial Center for details. Other rates and plans are available.
  • Other restrictions apply. Rates are as of 04/23/2014 and are subject to change without notice.
  • Sample Payment Schedule based on a $20,000 loan: 120 monthly payments of $212.03

Business and personal loans from Zions BankPersonal Loans

Personal Unsecured A Zions Bank personal loan can help pay for household goods, unexpected expenses, or any personal need. This loan does not require collateral. Apply Now
Rate Rate as low as* APR as low as**
Unsecured (36 months) Fixed rate $10,000+ 7.99% 8.25%
Rates effective as of 04/23/2014
  • Minimum Personal Unsecured Loan amount is $1,000 for terms up to 36 months.
  • *To qualify for advertised rate, a loan amount of $10,000 or more and auto-payment from a Zions Bank Gold Checking Plus account is required. Advertised rate is available for customers with best credit. Other rates and terms are available. Credit approval required, restrictions apply, contact Financial Center for details. Rates are as of 04/23/2014 and are subject to change without notice.
    Monthly payment of approximately $31.33 per $1,000 borrowed based on advertised rate of 7.99% and a 3 year term.
Personal Secured A Zions Bank personal loan can help you pay for household goods, unexpected expenses, or any personal need. This loan uses your personal deposit accounts as collateral. Apply Now
Reddi-Credit Reddi-Credit provides the flexibility of a revolving credit line to pay for purchases or other personal expenses. To access the credit line, simply write a check. Learn More

Free online Zions Bank financial calculatorOther Loans

Residential Lot Loans Use this loan to purchase improved land, or use land you already own as collateral for a loan. Apply Now
Sallie Mae Student Loans The Sallie Mae Smart Option Student Loan for Zions Bank clients is an ideal solution for families that have a gap when it comes to funding their student's education. The Smart Option Student Loan helps students pay off their student loan faster and build credit. Apply Now
 

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This page was last modified on Mon Apr 21 16:05:50 MDT 2014