Important Details

Home Equity Credit Line

You’ve worked for your home.
Now let it work for you. Apply Now

Get a Zions Bank® Home Equity Credit Line and save money when buying a car, paying for an education or doing home improvements. With credit card interest rates as high as 21%, use a Home Equity Credit Line to reduce your payments and help get out of debt sooner.

Fast and Easy

At, Zions Bank, loan decisions are made locally. That means a faster turn-around time on approvals, so you get your loan sooner. Plus, you won't pay closing costs or annual fees!


Important Details

LockSelect lets you lock in a portion—or all—of your Home Equity Credit Line at a fixed interest rate for up to 10 years. You select the term and lock in the rate. You get peace of mind knowing that your interest rate and monthly payment amount won't go up.

Lower Rates and Lower Taxes

At Zions, enjoy a variable rate as low as 3.74 APR** along with Home Refinance and Home Equity Loans with fixed rates. In many cases, the interest is tax-deductible (consult your tax adviser).

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 04/20/2014
See Important Details
  • * 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 04/20/2014. 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.
Year Fixed
As low as
Rates as of   04/17/2014
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This page was last modified on Fri Apr 18 10:21:56 MDT 2014