Zions Bank Home Equity Loan Rates 2025

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Zions Bank Home Equity Loan Rates 2025

Author: Malik Atif – Home Finance & Real Estate Insights Blogger
Hello readers, I’m Malik Atif. I write no-fluff, deeply researched guides about personal finance, real estate, and home improvement for everyday homeowners and savvy investors. This article is built from real-world data, ongoing rate analysis, and hours of research—so you can make confident decisions, not just click around Zions Bank Home Equity Loan Rates: 2025.

Why Zions Bank Home Equity Loan Rates Matter Right Now

If you’re sitting on built-up equity in your home, you’re not just living in a house—you’re holding a financial tool that could unlock lower-interest borrowing, home improvement funding, or even debt consolidation relief. But here’s the kicker: not all home equity loan rates are created equal, and Zions Bank has been quietly gaining traction for offering competitive, personalized solutions across Utah, Idaho, and beyond.

In this article, we’re going deep—not surface-level marketing fluff. We’ll explore:

  • ✅ The real-time interest rates on Zions Bank Home Equity Loans in 2025

  • ✅ Differences between HELOCs and traditional home equity loans

  • ✅ Who qualifies, how to apply, and what documents you’ll need

  • ✅ Pros, cons, hidden fees, and real user reviews

  • ✅ A side-by-side comparison with other lenders

  • ✅ Tips to lock in the lowest possible rate in today’s market

Let’s break it all down.

What Is a Home Equity Loan at Zions Bank?

A home equity loan—sometimes referred to as a second mortgage—is a way to borrow money using the equity you’ve built up in your home. Unlike a HELOC (home equity line of credit), a home equity loan gives you a lump sum with a fixed interest rate, which means your monthly payments remain consistent throughout the loan term.

Zions Bank offers both:

  • Home Equity Loans (Fixed Rate)

  • Home Equity Lines of Credit (HELOCs) (Variable Rate)

In 2025, Zions Bank has leaned into offering flexible lending packages that cater to both types of borrowers, whether you’re refinancing, renovating, or consolidating debt.

Zions Bank Home Equity Loan Rates (2025 Updated)

As of August 2025, the current advertised rates for Zions Bank home equity products are:

Loan Type APR (Annual Percentage Rate) Loan Term Min Amount Max LTV
Fixed-Rate Home Equity 6.74% – 9.25% 5–20 years $10,000 80–90%
HELOC (Variable Rate) 7.50% – 10.99% Up to 10 years $10,000 80–90%

📌 Note: These rates vary by credit score, LTV (Loan-to-Value), term, and whether the home is a primary or secondary residence.

For the most accurate rates, you need to contact Zions Bank directly or use their Loan Calculator Tool on their official website.

What Affects Your Zions Bank Home Equity Loan Rate?

Zions doesn’t hand out cookie-cutter loans. They assess several factors when determining your rate:

  1. Credit Score

    • 740+ = best APR tier

    • 680–739 = average

    • Below 680 = higher risk and rates

  2. Loan-to-Value Ratio (LTV)

    • The lower your LTV, the better your rate.

    • Example: If your home is worth $400K and you owe $200K, you have 50% equity.

  3. Loan Term

    • Shorter terms = lower rates

    • 5-year term loans get better deals than 20-year loans

  4. Type of Loan (Fixed vs. Variable)

    • Fixed is generally lower for short terms

    • HELOCs often start low but rise with the Fed rate hikes

  5. Property Type & Location

    • Primary residences in Utah often receive more favorable rates than out-of-state second homes.

Zions Bank Home Equity Loan Calculator – How to Estimate Payments

Before signing anything, try the Zions Bank loan calculator. Input your:

  • Home’s market value

  • Current mortgage balance

  • Desired loan amount

  • Preferred term

The calculator gives you a rough APR and monthly payment estimate. You can find the calculator here:
Zions Bank Home Equity Calculator

It’s not just a marketing gimmick—it’s actually updated with real-time APR ranges.

Is Zions Bank Right for You? Pros & Cons

✅ Pros

  • Flexible lending terms (5 to 20 years)

  • No prepayment penalties

  • Local service in Utah, Idaho, and surrounding regions

  • Competitive rates even for borrowers with average credit

  • Dedicated mortgage and HELOC experts available

⚠️ Cons

  • Rates may not beat online banks like SoFi or Discover

  • Strict LTV requirements (usually max 90%)

  • Not available in all 50 states

  • Application process can be slower than digital-only lenders

How to Apply for a Zions Bank Home Equity Loan

Here’s a simple step-by-step guide:

  1. Check Your Home’s Equity
    Use tools like Zillow or Redfin to estimate your home’s market value.

  2. Visit Zions Bank Website or Branch
    Use the secure online form or visit a physical branch near you.

  3. Submit Documentation

    • Proof of income (W-2s, pay stubs, or tax returns)

    • Mortgage statement

    • Property tax info

    • ID and SSN

  4. Appraisal & Credit Check
    Zions will do a soft pull first, followed by a full credit and home appraisal Zions Bank Home Equity Loan Rates: 2025.

  5. Review Loan Offer
    You’ll get a formal offer with interest rate, repayment plan, and terms.

  6. Sign & Close
    Sign electronically or in-branch, depending on your location and loan type.

Use Cases: How Homeowners Are Using Zions Bank Home Equity Loans

Let’s get real: this isn’t Monopoly money. Borrowers are using these funds in high-impact ways Zions Bank Home Equity Loan Rates 2025.

  • 🛠️ Kitchen & Bathroom Renovations

  • 🎓 College Tuition or Student Loan Refinance

  • 🏦 Debt Consolidation (credit cards, car loans)

  • 🏠 Second Home Down Payment

  • 🚗 Major Purchases (vehicles, medical, wedding)

Real User Reviews of Zions Bank Home Equity Loans

💬 “I applied for a $40,000 fixed-rate home equity loan at 7.2% APR. It took about 2 weeks start to finish. Local support made the difference.” – Emily R., Salt Lake City, UT

💬 “I got a HELOC in 2024 before the rates went up. They adjusted in 2025, but it was still cheaper than a personal loan. Just beware of the variable nature.” – Marcus D., Boise, ID

💬 “Zions wasn’t the fastest, but I appreciated the in-person help when my appraisal was delayed. Their branch support is solid.” – Sarah M., Ogden, UT

Zions Bank vs Other Lenders: A Comparison Snapshot

Lender Fixed APR (as of Aug 2025) Min. Credit Score Max LTV Fees
Zions Bank 6.74% – 9.25% 660 90% Appraisal, origination
SoFi 7.99% – 11.49% 680 85% No fees
U.S. Bank 6.95% – 9.89% 680 90% Closing costs
Wells Fargo 7.25% – 10.00% 660 85% May waive fees

Zions holds up well, especially if you’re an existing customer or you live in Utah or Idaho, where their loan officers are more accessible.

How to Get the Best Zions Bank Home Equity Loan Rate (Pro Tips)

Let me give you the inside scoop—tips I’d use myself or tell a friend Zions Bank Home Equity Loan Rates 2025.

  • Improve Credit Score Before Applying: Even moving from 689 to 700 could drop your APR by 0.5% or more.

  • Time Your Appraisal: Schedule it after home improvements are done. Better appraisal = more equity.

  • Consider AutoPay Discounts: Zions sometimes offers rate reductions if you use automatic payments from a Zions checking account.

  • Apply During Promotions: Spring and Fall are big windows when banks offer fee waivers or discounts on closing costs.

  • Avoid Over-Borrowing: Only borrow what you need. Zions may reduce rates if your debt-to-income ratio is below 35%.

FAQs About Zions Bank Home Equity Loan Rates: 2025

Q1. Can I get a home equity loan with bad credit?

Zions prefers a credit score above 660, but may consider exceptions with strong equity and income history.

Q2. Is a HELOC better than a fixed-rate home equity loan?

It depends. HELOCs are flexible, but rates fluctuate. Fixed-rate loans offer stability for long-term borrowers.

Q3. How long does Zions Bank take to process the loan?

Typically 2 to 4 weeks, depending on appraisal timelines and document verification.

Q4. Are there penalties for early payoff?

No. Zions Bank does not charge prepayment penalties for home equity loans.

Q5. Can I use the funds for a business?

Yes, but Zions may require a written use-case for large sums intended for business investments. Zions Bank Home Equity Loan Rates 2025

Final Thoughts: Zions Bank Home Equity Loan Rates 2025

If you’re looking for stability, regional support, and competitive rates, Zions Bank deserves a serious look. Their strength lies in personalized service—something national chains and fintech lenders can’t always offer. Whether you’re eyeing a new kitchen or trying to finally crush those credit card balances, Zions Bank might be the local lending partner you didn’t know you needed.

Remember—your home is your greatest asset. Use it wisely, borrow smart, and always run the numbers.

🔗 Internal Resource:

For Utah homeowners: Kitchen Remodel Cost in Utah – Full 2025 Guide (by Malik Atif)

🌐 External References:

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