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Zions Bank

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Zions Bank Rates & Review March 2026

Q: How many branches does Zions Bank operate?

Zions Bank currently maintains approximately 414 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Zions Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Zions Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare Zions Bank rates to other rates in our database, including 12-month CD rates currently at 3.00%, 6-month CD rates at 0.10% and 3-month CD rates at 3.45%. Savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to Zions Bank rates. MonitorBankRates evaluates the financial stability of Zions Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.42%. Rates were last updated on 03/28/2026.

Zions Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Zions Bank? Share your experience about Zions Bank by leaving a review below, or read customer reviews before you decide to use Zions Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.42%

Excellent Lower than avg

Zions Bank

1 S Main St
Salt Lake City, UT 84133

https://www.zionsbank.com

Zions Bank Mortgage Rates

Product	Rate	Points	APR	Term	View More
30-Year Fixed FHA Loan	5.75%	-	6.55%	30
Details Advertised APR assumes excellent credit. Your APR may be higher. Last Updated 03/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Zions Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Zions Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Zions Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Zions Bank

FDIC Certificate # 2270

Address 1 S Main St, Salt Lake City, UT 84133 · Salt Lake

Website https://www.zionsbank.com

Established 07/06/1873

FDIC Insurance Date 01/01/1934

Domestic Offices 414

Total Branches 414

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.42%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8374%

Return on Equity (ROE) 14.2800%

Non-Performing Loans (NPL) 0.26%

Total Assets $88,989,689,000

Total Deposits $75,875,678,000

Equity Capital $7,179,703,000

Net Income $898,702,000

Headquarters Salt Lake City

Total Offices 414

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Zions Bank

Is Zions Bank a safe place to deposit money?

Yes, Zions Bank is considered a safe financial institution. With a Texas Ratio of 4.4222304635602%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Zions Bank operate?

Zions Bank currently maintains approximately 414 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Zions Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Zions Bank provides members with tools to manage their accounts and build a solid financial history.

Does Zions Bank offer online and mobile banking?

Most modern institutions like Zions Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.zionsbank.com.