2% for Your To-Dos

Nail down our 2% HELOC intro
rate before August 31st.

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2% for Your To-Dos

Nail down our 2% HELOC intro
rate before August 31st.

With a Utah First home equity loan or HELOC, you can use the equity in your home to help pay for big events, family vacations, upcoming expenses, or overdue home improvement projects. And, when you complete your new loan application by August 31st, you can lock in a 2% introductory HELOC rate for 6 months.

  • No annual fee or origination cost**
  • Loan interest that may be eligible for tax deduction
  • Interest-only payment options available
  • Great home equity loan rates

Home Equity Loan

A traditional home equity loan gives you a lump-sum payment up front. You choose your interest type (fixed or variable), we issue a check, and you use the money to achieve your goals.

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) works like a credit card: we issue a line of credit based on the equity in your home. You use as much or as little as you want for whatever you want, whenever you need it. And you can switch between fixed and variable interest at any time. And to make it even better, we are offering a 2% introductory rate for the first six months when you access funds through your HELOC—but that rate won’t last for long!

With a Utah First HELOC, your next home improvement project is on the house!

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Calculate Your HELOC Amount

Use the following formula to determine how much you can borrow. Numbers are provided as an example and should be replaced with your specific details.

Value of Your Home $400,000
Combine Loan-to-Value Ratio X 80%
Percentage of Home Value = $320,000
Minus Balance Owed on Home – $200,000
Potential HELOC Amount = $120,000

Home Equity Advantage

TypeProductTermAPR*Jumbo Loans
Fixed80% Home Equity5 Years5.50%6.50%
Fixed80% Home Equity6-10 Years7.50%8.50%
Fixed90% Home Equity5 Years8.25%9.25%
Fixed90% Home Equity6-10 Years8.75%9.75%
Fixed100% Home Equity5 Years9.75%10.75%
Fixed100% Home Equity6-10 Years10.50%11.50%
Apply Now

Home Equity Line of Credit

TypeProductTermAPR*Jumbo Loans
Variable80% Home Equity30 Years5.50%6.50%
Variable90% Home Equity25 Years7.50%8.50%
Variable100% Home Equity20 Years9.25%10.25%
Variable125% Home Equity15 Years10.75%11.75%
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Loan Calculator



APR = Annual Percentage Rate. All rates subject to change without notice.

*Jumbo loans have an aggregate loan value of more than $647,200.

**HELOCs up to $500,000 loan amounts are not subject to fees or additional costs. Loans larger than $500,000 are subject to a recapture fee, equal to the origination costs, if the loan is paid off and closed within 48 months of the original funding date.

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for your Home Equity Line of Credit

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