Important Details

Home Equity Line of Credit Loans

You’ve Worked for Your Home
Now Let a Home Equity
Line of Credit Loan 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. Also get the comfort of knowing you can handle unanticipated expenses or financial emergencies because you’ve got a home equity line of credit loan behind you. Once established, your home equity revolving line of credit is there for you when you need it. Simply transfer money online to your Zions Bank deposit account or write a check.

Fast and Easy Home Equity Revolving Line of Credit

At, Zions Bank, loan decisions are made locally. That means a faster turn-around time on approvals in Utah and Idaho, so you get your home equity credit line sooner.

Lock In Some or All of Your Home Equity Line of Credit Loan at a Fixed Interest Rate Important Details

LockSelect2 lets you lock in a portion—or all—of your Home Equity Line of Credit at a fixed interest rate. You select the term and lock in the rate. You get peace of mind knowing that your interest rate and monthly payment won't go up.

Lower Rates on Your Home Equity Line of Credit Loan

Because your Zions Bank home equity line of credit is secured by your home, the interest rate is usually lower than with other types of loans. That can help you save money—especially if you use the loan to consolidate debts with higher interest rates. Zions Bank also provides Home Refinance and Home Equity Loans. In many cases, the interest is tax-deductible (consult your tax advisor about tax deductibility).

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 02/08/2016

Know Just Where You Stand

When you apply for a loan online, check your application status anytime, day or night, with the click of your mouse.

Still Have Questions about Your Home Equity Line of Credit?

For more assistance with a home equity line of credit loan, call Zions Bank at 800-974-8800.

Important 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.

Tap Into Your Home Equity

Find a Utah/Idaho loan officer near you

Contact a Zions Bank residential lending officer to learn more about Zions Bank home loan services.

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This page was last modified on Thu Feb 04 12:33:03 MST 2016