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Deposit Rates - January 26, 2026

Featured Home Equity Rates in Utah

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• PenFed Credit Union NMLS ID: 401822 / Updated 2026-01-26 Equal Housing Lender

  Loans Amounts from $25,000 - $500,000.

  $0

  Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender. Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2025-07-23

  Intro APR: 6.520 % After Intro:6.520 %

  $20,800

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw** No paperwork needed to apply Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5] Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2025-11-17 Equal Housing Lender

  Intro APR: 7.625 % After Intro:7.625 % Intro Period: 8 months

  $25,000

  Borrow up to $500,000* Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-01-07 Equal Housing Lender

  Intro APR: 7.750 % After Intro:7.750 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-01-26

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• Owning.com NMLS ID: 2611 / Updated 2026-01-26

  Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi

  $0

  Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-01-26

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2026-01-26

  As low as 6.52% APR on your initial draw*

  $0

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw ** No paperwork needed to apply Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2026-01-26 Equal Housing Lender

  Cash in with a HELOC

  $0

  Borrow up to $500,000* Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-01-26 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in Utah

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Pentagon Federal Credit Union NMLS ID: 401822

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender Learn More

• Mortgage HQ NMLS ID: 2022461

  5.669%

  $1,817 Fees & Points $6,096 Total 0.875 Pts ($2,800) $3,296 Fees

  See Live Rates - Not Credit Pull Necessary Local & Responsive Connect with a Broker who can shop dozens of loan options for you at once Learn More

• Utahlowrate.com NMLS ID: 3138

  5.716%

  $1,843 Fees & Points $3,200 Total 1.000 Pts ($3,200) $0 Fees

  Lowest mortgage rates in Utah Learn More

• Northpointe Bank NMLS ID: 447490

  5.870%

  $1,868 Fees & Points $4,211 Total 0.880 Pts ($2,816) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• West Capital Lending NMLS ID: 1566096

  5.983%

  $1,893 Fees & Points $3,753 Total 0.768 Pts ($2,458) $1,295 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• PenFed Credit Union NMLS ID: 401822

  6.048%

  $1,893 Fees & Points $6,000 Total 0.875 Pts ($2,800) $3,200 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .