Important Details
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Home Equity Loans in Utah and Idaho

Consolidate Your Debts with Home Apply Now
Equity Loans and Get Tax Benefits


A Home Equity Loan from Zions Bank may be the right loan for you. By borrowing against the equity in your home; pay for home improvements or children's tuition or consolidate debt. Home Equity Loans let you get the entire loan amount up front. After closing, you begin making monthly payments. Choose from fixed or variable home equity loan rates. No points, origination or closing costs.

Benefits of Home Equity Loans

  • Get out of debt faster by consolidating high-interest bills
  • Lower your taxes when you deduct the interest (consult your tax advisor for details)
  • Make budgeting easy with a fixed payment amount
  • Local decision making means faster turnaround in Utah and Idaho
Important Details and Payment Samples

Fixed-Rate Home Equity Loans Rates

Rate APR1
fixed rate: 60 months 4.74% – 5.74%
fixed rate: 120 months 5.24% – 6.24%
Rates effective as of 09/24/2016

Variable Rate Home Equity Loan Rates

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 09/24/2016

Know Just Where You Stand

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

Need More Assistance with Home Equity Loans?

Do you have questions about variable rate or fixed rate home equity loans? The Zions Bank lending experts are here to help. Contact Zions Bank at 800-727-8893 for help with your home equity loan today.

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.
**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.
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This page was last modified on Thu Sep 22 12:26:35 MDT 2016