Zions Bank was established in 1873 in Salt Lake City. The institution is home to centers in Utah, Idaho, and Wyoming. The bank offers a variety of home loans, including fixed rate and adjustable rate mortgages. Zions Bank mortgage rates are competitive, so you can feel confident that you are getting the best rate. This article will provide information on the latest and up-to-date information about Zions Bank mortgage loans.

Zions Bank Current Mortgage Rates

Home loans are a big investment, so you want to make sure you get the best interest rate available. You can find the current mortgage rates under the Home Loans section of their website.

Type of Mortgage Rate

Interest Rate APR (Annual Percentage Rate) Estimated Monthly Payment
30-year fixed 4.12% 4.19%


20-year fixed

4.00% 4.09% $1526.83
15-year fixed 3.25% 3.36%


7/1 ARM

3.87% 3.99% $1192.10
5/1 ARM 3.75% 3.96%


3/1 ARM

4.12% 4.08%


***Mortgage rates can change often; therefore, it is important to check Zions Bank’s website for the latest rates.

Zions Bank Mortgage Rates Additional Information

At Zions Bank, you can get fixed rates loans that provide a constant rate for the life of the loan. The principal and interest charges will never change. An adjustable-rate mortgage (ARM) provides a low rate for a certain period of time; the rate will then increase or decrease depending on the mortgage rates trend.

Bonus read –  Zions Bank Mortgage Account Login

In some cases, refinancing a mortgage makes sense. You might refinance a mortgage to get a lower interest rate, or you might refinance a mortgage to shorten the life of the loan. A customer service representative can help you decide if refinancing is a good option.

You can get a 30-year, 20-year, or 15-year loan. 30-year mortgage rates might be a little higher than 20-year mortgage rates and 15-year mortgage rates. The lower your term, the more you will save in interest throughout the course of the loan.

FHA Home loans are also available at Zions Bank for those with low to moderate incomes.

If you are purchasing a more expensive home, you can check the jumbo mortgage rates. A jumbo mortgage gives you the opportunity to obtain a larger amount.

When applying for a mortgage at Zions Bank, you can check your application status online. It is a good idea to use a mortgage calculator to determine how much you can afford.

Monthly Mortgage Payment Example

Type of Mortgage Rate

30-year fixed rate 20-year fixed rate 15-year fixed rate
Mortgage Amount $250,000 $250,000


Interest Rate

4.12% 4.00% 3.25%
APR (Annual Percentage Rate) 4.19% 4.09%


Number of Payments

360 240 180
Average Monthly Payment $1221.08 $1526.83


Total Amount of Interest

$189,590.32 $116,439.93 $68,612.27
Total Amount Paid $439,590.32 $366,439.93


***The values in this Zions bank loan payment table are approximate results of our calculations and can vary based on the type of credit you opt for. Please note that these are our examples and not offered by the financial institution.


Zions Bank mortgage rates can give you the opportunity to own the home of your dreams. If you need a home loan, you might consider calling Zions Bank to see how they can help you with your mortgage needs. You can choose a fixed-rate mortgage, an adjustable rate mortgage, a home construction loan, an FHA mortgage loan, or a home refinance loan. If you’ve ever used the services of Zions Bank, please share your experience in the comments below!