Important Details
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Home and Non-Home Loans

               

Home Loans

Important Details
  Home Refinance Loan FlexFive Home Loan Home Equity Credit Line Home Equity Loan Construction Loan Conventional Fixed-Rate Mortgage Adjustable Rate Mortgage
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Used to Refinance or purchase an owner-occupied home without paying closing costs or origination fees Refinance or purchase an owner-occupied home with longer terms than a Home Refinance Loan and without paying closing costs or origination fees Borrow against the equity in your home for home improvements, travel, car or RV purchases and more Get a loan using the equity in your home or rental property to use for remodeling, travel, car or RV purchases and more Enjoy a low rate on new construction or major remodels. Options include a one-time close construction loan with only one closing and a construction conversion loan Get a consistent interest rate for the life of the loan Have the option of an initial fixed rate followed by adjustable interest rate for the remainder of your loan
Amount Varies, up to a maximum 80% loan-to-value, depending on the collateral Varies depending on collateral $417,000; may vary depending on county Varies depending on collateral
Rate Option Fixed, then adjustable Adjustable Adjustable Fixed or adjustable Fixed Fixed Fixed, then adjustable
               

Interest Rates

Rate APR1
fixed rate: 84 months* 3.49% – 4.24%
fixed rate: 120 months* 3.69% – 4.44%
Rates effective as of 09/04/2015
*Fixed-rate loans are fixed for the full term of the loan; and the monthly payments will not change for the life of the loan.
  • Sample payments for fixed rates based on estimated information:
    • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 3.49% APR; monthly payments are $1,343.53.
    • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 4.24% APR; monthly payments are $1,377.96.
    • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 3.69% APR; monthly payments are $997.78.
    • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.44% APR; monthly payments are $1,033.49.
  • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
Rate APR1
variable rate: 180 months 10/5 (ARM)** 3.84% – 4.59%
Rates effective as of 09/04/2015
**Adjustable rate mortgage (ARM) loan rates are variable and may increase at the specified adjustment period; subject to change without notice. The APR is fixed for the first 10 years (no rate adjustments occur during this time frame) and will adjust one time for the remaining 5 years of the loan. At time of adjustment, the APR will not be lower than 3.79% regardless of the fully indexed rate at the adjustment time. Maximum APR is 9.99%.
  • Sample payments for variable rates based on estimated information:
    • Variable rate term of 180 months: Loan amount of $100,000.00; minimum variable 3.84% APR; initial 120 monthly payments (fixed for the first 10 years) are $731.70, followed by 60 monthly payments of $731.70.
    • Variable rate term of 180 months: Loan amount of $100,000.00; maximum variable 4.59% APR; initial 120 monthly payments (fixed for the first 10 years) are $769.60, followed by 60 monthly payments of $769.60.
  • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
Important terms and conditions for advertised Home Refinance Loans:

1. Annual percentage rate (APR) is based on primary residence or second home, credit worthiness and loan-to-value up to 80%. Automatic payment discount from a Zions Bank® account available where applicable. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant’s expense. First lien position required. Minimum loan amount is $5,000.

ADDITIONAL RESTRICTIONS FOR LOANS SECURED BY MANUFACTURED HOME WITH LOT: Higher APR applies; actual third-party costs will be assessed; maximum loan-to-value up to 75%.

Loans subject to credit approval; terms and conditions apply. Other rates, terms and products are available. Contact a Financial Center for full details.
Rate APR1
variable rate: 240 months, rate reset every 5 years* 3.49% – 4.24%
variable rate: 360 months, rate reset every 5 years* 3.69% – 4.44%
Rates effective as of 09/04/2015
1. Adjustable rate mortgage (ARM) loan rates are variable and may increase at the specified adjustment period; subject to change without notice. The APR is fixed for the first 5 years (no rate adjustments occur during this time frame) and will adjust every 5 years for the remaining term of the loan. At time of adjustments, the APR will not be lower than 3.64% regardless of the fully indexed rate at the adjustment time. Maximum APR is 9.99%.
*Sample payments for variable rates based on estimated information:
  • 240 month term based on estimated information: Loan amount of $200,000.00; variable 3.49% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,158.89, followed by 180 monthly payments of $1,199.12.
  • 240 month term based on estimated information: Loan amount of $200,000.00; variable 4.24% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,237.40, followed by 180 monthly payments of $1,279.45.
  • 360 month term based on estimated information: Loan amount of $200,000.00; variable 3.69% APR; initial 60 monthly payments (fixed for the first 5 years) are $919.44, followed by 300 monthly payments of $968.95.
  • 360 month term based on estimated information: Loan amount of $200,000.00; variable 4.44% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,006.25, followed by 300 monthly payments of $1,058.47.
Payment does not include amounts for taxes and insurance, and your actual payment may be higher.
Important terms and conditions for advertised Flex Five Home Loans:
  • Annual percentage rate (APR) is based on primary residence and credit worthiness. Loan-to-value up to 80%. APRs are variable based on an index plus a margin and may increase after closing; subject to change without notice. Automatic payment discount from a Zions Bank® account available where applicable. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant's expense. First lien position required. Loans subject to credit approval; terms and conditions apply. Contact a Financial Center for full details.
Credit Limit APR1
$5,000.00 – $24,999.99 5.25% – 6.00%
$25,000.00 – $49,999.99 4.75% – 5.50%
$50,000.00 – $99,999.99 3.74% – 4.49%
$100,000.00 – $500,000.00 3.74% – 4.49%
Rates effective as of 09/04/2015
Annual percentage rate (APR) is variable and may increase after closing based on an index plus a margin and is subject to change without notice. APR is based on commitment amount, loan-to-value up to 80% and credit worthiness. If the rate adjusts, the minimum APR will not be lower than 3.74% and the maximum APR will not exceed 21%. Automatic payment discount from a Zions Bank® account available where applicable. Other APRs are available. No annual or origination fee. Property insurance is required. Property must be located in Utah/Idaho. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant's expense. Fees that may apply to the Home Equity Credit Line: Closing fees may range from $350.00–$2,100.00. Certain account activity fees may range from $5.00–$50.00. An early closure fee of $350.00 applies for terminating the plan within the first 3 years. Modification fee of $250.00 applies. Rental properties will require a 1% loan fee and third-party costs apply. Consult a tax advisor regarding the deductibility of interest. Loans subject to credit approval. Other APRs are available. Contact a Financial Center for details.
Rate APR1
fixed rate: 60 months 4.69% – 6.19%
fixed rate: 120 months 5.19% – 6.69%
Rates effective as of 09/04/2015
*Fixed-rate loans are fixed for the full term of the loan; and the monthly payments will not change for the life of the loan.
  • Sample payments for fixed rates based on estimated information:
    • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 3.49% APR; monthly payments are $1,343.53.
    • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 4.24% APR; monthly payments are $1,377.96.
    • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 3.69% APR; monthly payments are $997.78.
    • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.44% APR; monthly payments are $1,033.49.
  • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
Rate APR1
variable rate: 180 months, rate resets after 120 months* 5.29% – 6.79%
variable rate: 240 months, rate resets after 120 months* 5.39% – 6.89%
Rates effective as of 09/04/2015
Fixed-rate loans are fixed for the full term of the loan and the monthly payments will not change for the life of the loan.
*Sample payments for fixed rates based on estimated information:
  • 60 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 4.69% APR; monthly payments are $1,404.72.
  • 60 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 6.19% APR; monthly payments are $1,456.60.
  • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 5.19% APR; monthly payments are $802.47.
  • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 6.69% APR; monthly payments are $858.88.
*Sample payments for variable rates based on estimated information:
  • Variable rate term of 180 months based on loan amount of $75,000.00; variable 5.29% APR; initial 120 monthly payments (fixed for the first 10 years) are $604.49, followed by 60 monthly payments of $604.49.
  • Variable rate term of 180 months based on loan amount of $75,000.00; variable 6.79% APR; initial 120 monthly payments (fixed for the first 10 years) are $665.35, followed by 60 monthly payments of $665.35.
  • Variable rate term of 240 months based on loan amount of $75,000.00; variable 5.39% APR; initial 120 monthly payments (fixed for the first 10 years) are $511.27, followed by 60 monthly payments of $511.27.
  • Variable rate term of 240 months based on loan amount of $75,000.00; variable 6.89% APR; initial 120 monthly payments (fixed for the first 10 years) are $576.53 followed by 60 monthly payments of $576.53.
Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
Important terms and conditions for advertised Home Equity Loans:
  1. Annual percentage rate (APR) is based on credit worthiness, combined loan-to-value up to 80%. Loan requires a second lien position on primary residence; first or second lien position on rentals and second homes. Automatic payment discounts from a Zions Bank® account and/or a Gold Checking Plus or Gold Interest Checking account available where applicable. Property values will be determined by lender—any external appraisal requested by borrower will be at the borrower's expense. Property insurance required. No points, origination or closing costs. Minimum loan amount is $5,000.

    Additional restrictions apply to loans secured by MANUFACTURED HOME WITH LOT: higher APR applies with a maximum 75% combined loan-to-value, third-party costs paid by borrower. Other rates, terms and products are available.

    Loans subject to credit approval; terms and conditions apply. Contact a Financial Center for full details.
10% Off Mortgage Origination Fee with Select Checking Accounts No No No No Yes

or

Z-Advantage credit for qualified clients.
Talk to your mortgage loan officer for details.
Rate Discounts .25% discount with automatic payments from a Zions Bank® account .25% discount if new 1st lien position .25% discount with automatic payments from a Zions Bank account and/or .25% with a Gold Checking account No No No
               


               

Non-Home Loans

Important Details
  Reddi-Credit Line1 Car Loan2 RV Loan2 Personal Unsecured Loan Personal Secured Loan Residential Lot Loan Sallie Mae Student Loans
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Used to Access the flexibility of a revolving credit line to pay for purchases or other personal expenses with online transfers or by writing a check Finance a new or used automobile and get up to 125% financing, including taxes, licensing, approved warranty contracts, credit life and disability insurance Finance your new or used motor home, travel trailer, boat, motorcycle or snowmobile Help pay for household goods, unexpected expenses or any personal need; no collateral needed Help pay for household goods, unexpected expenses, or any personal need; uses your personal deposit accounts as collateral Purchase improved land, or use land you already own as collateral Fill the gap when it comes to funding a student's education. The Smart Option Student Loan helps students pay off their student loan faster and build credit
Amount $10,000 to $250,000 New: Up to 110% MSRP +15% for taxes, title, licensing and warranties

Used: Up to 110% Kelly Blue Book (KBB) trade-in +15% for taxes, title, licensing and warranties
$5,000 and up

New: 80% of sales price

Used: Lesser of 75% of sales price or 100% of KBB wholesale price

$2,500 to $4,999

New: 75% of sales price

Used: Lesser of 60% of sales price or 100% of KBB wholesale price
$1,000 and up $1,000 and up No minimum—borrow up to 75% of the appraised value $1,000 and up
Rate Option Variable Fixed Fixed Fixed Fixed Fixed Fixed graduated
               

Interest Rates

Rate Rate APR1
Minimum* 3.34% 3.46%1
Maximum* 8.59% 10.68%2
Rates effective as of 09/04/2015
1. Minimum annual percentage rate (APR) is based on a loan amount of $25,000 with a 60-month term for a 4-year-old or newer automobile, automatic payment discount from a Zions Bank® account and from a Gold Checking Plus or Gold Interest Checking account discount and excellent credit worthiness.
2. Maximum APR is based on a loan amount of $2,500 with a 36 month term for a 5-year-old or older automobile.
*Sample payment information based on estimated loan information:
  • 60-month term: Minimum fixed 3.46% APR; based on a loan amount of $25,000.00; monthly payment is $454.35.
  • 36-month term: Maximum fixed 10.68% APR; based on a loan amount of $2,500.00; monthly payment is $81.47.
*Loans subject to credit approval; terms and conditions apply. Minimum loan amount is $2,500. A $75 origination fee applies. Actual APR will be determined based on loan amount, model year of vehicle, credit worthiness and any automatic payment discounts from a Zions Bank® account and/or Gold Checking Plus or Gold Interest Checking accounts. Rates and terms are subject to change without notice. Other conditions may apply. Contact a Financial Center for full details.
Rate Rate APR1
Minimum* 4.99% 5.07%1
Maximum* 11.49% 13.62%2
Rates effective as of 09/04/2015
1. Minimum APR is based on a loan amount of $20,000 with a 120-month term for a new purchase (no previous owner), automatic payment discount from a Zions Bank® account and from a Gold Checking Plus account or Gold Interest Checking account discount and excellent credit worthiness.
2. Maximum APR is based on a loan amount of $2,500 with a 36-month term for a new or used purchase.
*Sample payment information based on estimated loan information:
  • 120-month term at the minimum fixed 5.07% APR; based on a loan amount of $20,000.00, monthly payment is $212.82.
  • 36-month term at the maximum fixed 13.62% APR; based on a loan amount of $2,500.00, monthly payment is $84.98.
*Loans subject to credit approval; terms and conditions apply. Minimum loan amount is $2,500. A $75 origination fee applies. Actual APR will be determined based on loan amount, new or used purchase, credit history and any automatic payment and Gold Checking Plus account or Gold Interest Checking account discounts. Other rates and plans are available. Contact a Financial Center for full details.
Rate Rate APR1
Minimum* 3.34% 3.46%1
Maximum* 8.59% 10.68%2
Rates effective as of 09/04/2015
1. Minimum annual percentage rate (APR) is based on a loan amount of $25,000 with a 60-month term for a 4-year-old or newer automobile, automatic payment discount from a Zions Bank® account and from a Gold Checking Plus or Gold Interest Checking account discount and excellent credit worthiness.
2. Maximum APR is based on a loan amount of $2,500 with a 36 month term for a 5-year-old or older automobile.
*Sample payment information based on estimated loan information:
  • 60-month term: Minimum fixed 3.46% APR; based on a loan amount of $25,000.00; monthly payment is $454.35.
  • 36-month term: Maximum fixed 10.68% APR; based on a loan amount of $2,500.00; monthly payment is $81.47.
*Loans subject to credit approval; terms and conditions apply. Minimum loan amount is $2,500. A $75 origination fee applies. Actual APR will be determined based on loan amount, model year of vehicle, credit worthiness and any automatic payment discounts from a Zions Bank® account and/or Gold Checking Plus or Gold Interest Checking accounts. Rates and terms are subject to change without notice. Other conditions may apply. Contact a Financial Center for full details.
Discounts None .25% discount with automatic payments from a Zions Bank account and/or .25% with a Gold Checking account .25% with automatic payments from a Zions Bank account
Rate Discounts Up to .75% with a Student Checking account
               
All loans subject to credit approval; terms and conditions apply. See a Financial Center for details.
1 . An annual fee applies based on loan amount and is assessed at the beginning of the loan period and each year after review and renewal. All accounts must be approved annual for continuation. Liquid assets verification may be required. Other fees and restrictions apply.
2 . Minimum loan amount is $2,500. A $75 origination fee applies. Actual APR will be determined based on loan amount, new or used purchase, model year of vehicle, credit worthiness and any automatic payment discounts from a Zions Bank® account and/or Gold Checking Plus or Gold Interest Checking accounts. Other conditions may apply.
 

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This page was last modified on Thu Sep 03 14:30:44 MDT 2015