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 or adjustable Adjustable Adjustable Fixed or adjustable Fixed Fixed Fixed, then adjustable
               

Interest Rates

Rate APR1
fixed rate: 84 months* 4.09% – 4.59%
fixed rate: 120 months* 4.29% – 4.79%
Rates effective as of 09/22/2017
*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 4.09% APR; monthly payments are $1,371.03 .
  • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 4.59% APR; monthly payments are $1,394.21.
  • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.29% APR; monthly payments are $1,026.29.
  • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.79% APR; monthly payments are $1,050.42.
Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
Rate APR1
variable rate: 180 months (10/1 ARM)** 4.44% – 4.94%
Rates effective as of 09/22/2017
**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 adjusts annually for the remaining 5 years of the loan. At time of adjustment, the APR will not be higher than the original rate plus 6% (fully indexed rate).

Sample payments for variable rates based on estimated information:
  • Variable rate term of 180 months: Loan amount of $100,000.00; minimum variable 4.44% APR; initial 120 monthly payments (fixed for the first 10 years) are $761.93, followed by 60 monthly payments that could be as high as $878.52.
  • Variable rate term of 180 months: Loan amount of $100,000.00; maximum variable 4.94% APR; initial 120 monthly payments (fixed for the first 10 years) are $787.67, followed by 60 monthly payments that could be as high as $907.59.
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 (5/1 ARM)* 4.04% – 4.54%
variable rate: 360 months (5/1 ARM)* 4.24% – 4.74%
Rates effective as of 09/22/2017
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 adjusts annually for the remaining term of the loan. At time of each adjustment, the APR will not change more than 2%. The maximum rate over the life of the loan is the original plus 6% (fully indexed rate).
*Sample payments for variable rates based on estimated information:
  • 240 month term based on estimated information: Loan amount of $200,000.00; variable 4.04% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,216.18, followed by 180 monthly payments that could be as high as $1,766.08.
  • 240 month term based on estimated information: Loan amount of $200,000.00; variable 4.54% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,269.62, followed by 180 monthly payments that could be as high as $1,833.79.
  • 360 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 $982.71, followed by 300 monthly payments that could be as high as $1,680.90.
  • 360 month term based on estimated information: Loan amount of $200,000.00; variable 4.74% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,042.09, followed by 300 monthly payments that could be as high as $1,759.02.
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 – $1,000,000.00 4.34% – 5.84%
Rates effective as of 09/22/2017

The lowest APR in each interest rate range above reflects a 1st lien position, loan-to-value less than 70%, and excellent credit history.
1. Loans subject to credit approval; terms and conditions apply. Minimum loan amount is $5,000. Collateral must be owner-occupied single-family residential property, including condos, townhomes and duplexes located in Utah, Idaho and Wyoming with a maximum 80% Loan to Value. Properties for sale not eligible. Property insurance is required. Introductory 2.49% APR is fixed for the first 6 months of account opening. No additional interest rate discounts may apply during the introductory rate period. After introductory period expires a variable APR of 4.09% - 5.59% based on commitment amount, loan-to-value, lien position and credit worthiness will apply. The variable APR is based on the Prime Rate as stated in The Wall Street Journal plus a margin and is subject to change. Prime Rate is currently as of 09/21/2017. Maximum APR is 21%. The interest rate will change effective with changes in the Index. Existing Home Equity Credit Lines must be increased by at least $20,000 to qualify for Introductory APR. No origination or third-party closing costs on loans up to $1,000,000 (excluding rental properties), unless a full appraisal is necessary for which the borrower may be charged. For lines over $1,000,000 and rental properties, borrower is responsible for third party closing costs that may range from $250 to $2,750. An early closure fee of $350 may apply if loan is closed within 36 months. Other loan options are available. Offer subject to change without notice. See financial center for details. NMLS# 467014
Rate APR1
fixed rate: 60 months 4.89% – 5.89%
fixed rate: 120 months 5.39% – 6.39%
Rates effective as of 09/22/2017
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 4.89% APR; monthly payments are $1,411.57.
  • 60 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 5.89% APR; monthly payments are $1,446.13.
  • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 5.39% APR; monthly payments are $809.87.
  • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 6.39% APR; monthly payments are $847.42.
Rate APR1
variable rate: 180 months (10/1 ARM)* 5.54% – 6.54%
variable rate: 240 months (10/1 ARM)* 5.64% – 6.64%
Rates effective as of 09/22/2017
*Sample payments for variable rates based on estimated information:
  • Variable rate term of 180 months based on loan amount of $75,000.00; variable 5.54% APR; initial 120 monthly payments (fixed for the first 10 years) are $614.41, followed by 60 monthly payments that could be as high as $711.88.
  • Variable rate term of 180 months based on loan amount of $75,000.00; variable 6.54% APR; initial 120 monthly payments (fixed for the first 10 years) are $654.98, followed by 60 monthly payments that could be as high as $757.74.
  • Variable rate term of 240 months based on loan amount of $75,000.00; variable 5.64% APR; initial 120 monthly payments (fixed for the first 10 years) are $521.86, followed by 60 monthly payments that could be as high as $680.79.
  • Variable rate term of 240 months based on loan amount of $75,000.00; variable 6.64% APR; initial 120 monthly payments (fixed for the first 10 years) are $565.38 followed by 60 monthly payments that could be as high as $733.71.
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 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 No .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 115% 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 100% MSRP +15% for taxes, title, licensing and warranties

Used: Up to 90% MSRP per 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/NADA
$2,500 and up $1,000 and up No minimum—borrow up to 65% of the appraised value $1,000 and up
Rate Option Variable Fixed Fixed Fixed Fixed Adjustable Fixed graduated
               

Interest Rates

Rate Rate APR1
Minimum* 2.99% 3.08%1
Maximum* 7.74% 9.82%2
Rates effective as of 09/22/2017
1. Minimum annual percentage rate (APR) is based on a loan amount of $25,000 with a 60-month term for a 1-year-old or newer automobile and excellent credit worthiness.
2. Maximum APR is based on a loan amount of $2,500 with a 36 month term for a 2-year-old or older automobile.
*Sample payment information based on estimated loan information:
  • 60-month term: Minimum fixed 3.08% APR; based on a loan amount of $35,000.00; monthly payment is $630.15.
  • 36-month term: Maximum fixed 9.82% APR; based on a loan amount of $2,500.00; monthly payment is $80.46.
*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, term of loan and credit worthiness. Rates and terms are subject to change without notice. Other conditions may apply. Contact a Financial Center for full details.
Rate Rate APR1
Minimum* 5.24% 5.32%1
Maximum* 11.49% 13.62%2
Rates effective as of 09/22/2017
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 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 5.32% APR; based on a loan amount of $20,000.00, monthly payment is $215.27.
  • 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 account discounts. Other rates and plans are available. Contact a Financial Center for full details.
Rate Rate APR1
Minimum* 2.99% 3.08%1
Maximum* 7.74% 9.82%2
Rates effective as of 09/22/2017
1. Minimum annual percentage rate (APR) is based on a loan amount of $25,000 with a 60-month term for a 1-year-old or newer automobile and excellent credit worthiness.
2. Maximum APR is based on a loan amount of $2,500 with a 36 month term for a 2-year-old or older automobile.
*Sample payment information based on estimated loan information:
  • 60-month term: Minimum fixed 3.08% APR; based on a loan amount of $35,000.00; monthly payment is $630.15.
  • 36-month term: Maximum fixed 9.82% APR; based on a loan amount of $2,500.00; monthly payment is $80.46.
*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, term of loan and credit worthiness. Rates and terms are subject to change without notice. Other conditions may apply. Contact a Financial Center for full details.
Discounts None 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
               
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 Checking accounts. Other conditions may apply.
 

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This page was last modified on Thu Sep 21 20:15:32 MDT 2017