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Loan Rates

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FlexFive Home Loan
Home Equity Credit Lines
Home Refinance Loans
Home Equity Loans
Car Loans
Recreational Vehicle Loans

FlexFive Home Loan Apply Now Learn More


Rate APR1
variable rate: 240 months (5/1 ARM)* 3.44% – 3.94%
variable rate: 360 months (5/1 ARM)* 3.64% – 4.14%
Rates effective as of 06/26/2016
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Home Equity Credit Lines Apply Now Learn More


Credit Limit APR1
$5,000.00 – $24,999.99 5.50% – 6.25%
$25,000.00 – $49,999.99 5.00% – 5.75%
$50,000.00 – $99,999.99 3.99% – 4.74%
$100,000.00 – $1,000,000.00 3.99% – 4.74%
Rates effective as of 06/26/2016
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Home Refinance Loans Apply Now Learn more

Fixed Rate

Rate APR1
fixed rate: 84 months* 3.44% – 3.94%
fixed rate: 120 months* 3.64% – 4.14%
Rates effective as of 06/26/2016
Important Details

Variable Rate

Rate APR1
variable rate: 180 months (10/1 ARM)** 3.79% – 4.29%
Rates effective as of 06/26/2016
Important Details

Home Equity Loans Apply Now Learn More

Fixed Rate

Rate APR1
fixed rate: 60 months 4.74% – 5.74%
fixed rate: 120 months 5.24% – 6.24%
Rates effective as of 06/26/2016
Important Details

Variable Rate

Rate APR1
variable rate: 180 months (10/1 ARM)* 5.39% – 6.39%
variable rate: 240 months (10/1 ARM)* 5.49% – 6.49%
Rates effective as of 06/26/2016
Important Details

Car Loans Apply Now Learn More


Rate Rate APR1
Minimum* 2.74% 2.83%1
Maximum* 7.29% 9.36%2
Rates effective as of 06/26/2016
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Recreational Vehicle Loans Apply Now Learn More


Rate Rate APR1
Minimum* 4.99% 5.07%1
Maximum* 11.49% 13.62%2
Rates effective as of 06/26/2016
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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 3.44% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,153.76, followed by 180 monthly payments that could be as high as $1,686.40.
  • 240 month term based on estimated information: Loan amount of $200,000.00; variable 3.94% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,205.65, followed by 180 monthly payments that could be as high as $1,752.68.
  • 360 month term based on estimated information: Loan amount of $200,000.00; variable 3.64% APR; initial 60 monthly payments (fixed for the first 5 years) are $913.79, followed by 300 monthly payments that could be as high as $1,588.64.
  • 360 month term based on estimated information: Loan amount of $200,000.00; variable 4.14% APR; initial 60 monthly payments (fixed for the first 5 years) are $971.04, followed by 300 monthly payments that could be as high as $1,665.41.
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.
1. 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.
2. LockSelect loan applies a $25 fee per loan. Terms and conditions apply. Contact a Financial Center for details.
*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 3.44% APR; monthly payments are $1,341.25.
  • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 3.94% APR; monthly payments are $1,364.12.
  • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 3.64% APR; monthly payments are $995.43.
  • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.14% APR; monthly payments are $1,019.12.
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.
**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 3.79% APR; initial 120 monthly payments (fixed for the first 10 years) are $729.21, followed by 60 monthly payments that could be as high as $841.52.
  • Variable rate term of 180 months: Loan amount of $100,000.00; maximum variable 4.29% APR; initial 120 monthly payments (fixed for the first 10 years) are $754.30, followed by 60 monthly payments that could be as high as $869.90.
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.
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 4.74% APR; monthly payments are $1,406.43.
  • 60 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 5.74% APR; monthly payments are $1,440.91.
  • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 5.24% APR; monthly payments are $804.32.
  • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 6.24% APR; monthly payments are $841.72.
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.
**Adjustable rate mortgage (ARM) loan rates are variable and may increase at the specified adjustment period. 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 with a 15 year term or annually for the remaining 10 years with a 20 year term. 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 based on loan amount of $75,000.00; variable 5.39% APR; initial 120 monthly payments (fixed for the first 10 years) are $608.44, followed by 60 monthly payments that could be as high as $700.65.
  • Variable rate term of 180 months based on loan amount of $75,000.00; variable 6.39% APR; initial 120 monthly payments (fixed for the first 10 years) are $648.80, followed by 60 monthly payments that could be as high as $746.13.
  • Variable rate term of 240 months based on loan amount of $75,000.00; variable 5.49% APR; initial 120 monthly payments (fixed for the first 10 years) are $515.49, followed by 60 monthly payments that could be as high as $667.85.
  • Variable rate term of 240 months based on loan amount of $75,000.00; variable 6.49% APR; initial 120 monthly payments (fixed for the first 10 years) are $558.74 followed by 60 monthly payments that could be as high as $720.31.
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.
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 2.83% APR; based on a loan amount of $35,000.00; monthly payment is $626.26.
  • 36-month term: Maximum fixed 9.36% APR; based on a loan amount of $2,500.00; monthly payment is $79.92.
*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.
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 5.07% 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 account discounts. Other rates and plans are available. Contact a Financial Center for full details.

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This page was last modified on Thu Jun 23 13:00:25 MDT 2016