St George, UT Home Equity & HELOC Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Home Equity Lending Markets
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Current home equity loan and HELOC rates in St George, Utah range from 4.99% to 6.75% across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Those offers are Cyprus Federal Credit UnionCyprus Federal Credit Union1450 S River Rd, St George, UT, 84790 1281A+5.0 ★Texas Ratio: 2.73% offering Home Equity Line of Credit at 4.99%, Security Service Federal Credit UnionSecurity Service Federal Credit Union1227 E 100 S, St George, UT, 84790A5.0 ★Texas Ratio: 6.91% offering Home Equity LOC at 5.99%, America First Federal Credit UnionAmerica First Federal Credit Union1189 E 700 S, St George, UT, 84770 7283A5.0 ★Texas Ratio: 8.33% offering No Closing Costs Fixed For 5 HELOC 50% LTV at 6.49%, Deseret First Federal Credit UnionDeseret First Federal Credit Union616 S River Rd, St George, UT, 84790 2104A5.0 ★Texas Ratio: 6.76% offering Home Equity No-Cost HELOC at 6.75%, and State Bank of Southern UtahState Bank of Southern Utah395 E Saint George Blvd, St George, UT, 84770A+5.0 ★Texas Ratio: 2.87% offering Home Equity HELOC Variable at 6.75%. Home equity and HELOC rates as of September 28, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated — we recommend checking back frequently.
Rates reflect actual verified offers from lenders actively serving Utah borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: September 28, 2026
Compare Home Equity & HELOC Rates Today in St George, Utah & the Surrounding Area
St George Home Equity Loan Rates
As Low As
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
As Low As
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
No additional details available.
No additional details available.
No additional details available.
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
No additional details available.
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
As Low As; introductory fixed rate for 6 months, 6.99% variable APR (Prime - 0.26%). For loans greater than 80% LTV (loan-to-value) the variable APR is 8.74% (Prime - 1.49%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.99%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date.
As low as; LTV: 80%
Members must qualify. No Closing Cost - Must keep for 3 years or pay closing costs LTV = Loan to Value, APR = Annual Percentage Rate
As low as
As low as; LTV: 80%
As low as; LTV: 80.01% - 90%
No additional details available.
Loan to Value: 60%. Rates are as of 9/25/2026 and are subject to change. Prime -1.00%
No additional details available.
- Sep 24, 20266.23%▼ from 6.35%
- Sep 18, 20266.35%▼ from 6.48%
- Sep 15, 20266.48%first recorded
LTV: Up To 65%
Owner occupied only. Minimum loan amount: $20,000.00. Maximum loan amount: $200,000.00.
As Low As
As low as; LTV: 80%
No additional details available.
LTV: Up To 65%
LTV: 66 - 80%
Owner occupied only. Minimum loan amount: $20,000.00. Maximum loan amount: $200,000.00.
Loan to Value: 60%. Rates are as of 9/25/2026 and are subject to change. Prime -0.50%
No additional details available.
No additional details available.
- Sep 24, 20266.60%▼ from 6.73%
- Sep 18, 20266.73%▼ from 6.85%
- Sep 15, 20266.85%first recorded
LTV: 66 - 80%
As Low As
No additional details available.
LTV: Up To 65%
Condition: 80% LTV. 5-Yr Fixed - 2nd Mortgage
As low as; LTV: 80.01% - 90%
Loan to Value: 85%. Rates are as of 9/25/2026 and are subject to change. Prime -0.00%
As Low As
- Sep 18, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Owner occupied only. Minimum loan amount: $20,000.00. Maximum loan amount: $200,000.00.
No additional details available.
- Sep 24, 20267.05%▲ from 6.84%
- Sep 15, 20266.84%first recorded
No additional details available.
- Sep 24, 20267.05%▲ from 6.84%
- Sep 15, 20266.84%first recorded
No additional details available.
Condition: 80% LTV. 7-Yr Fixed - 2nd Mortgage
Term: 120 Months, 85% Max CLTV Fixed
AS LOW AS OAC*
Term: 120 Months, 85% Max CLTV Fixed
LTV: Up To 65%
LTV: 66 - 80%
Condition: 80% LTV. 10-Yr Fixed - 2nd Mortgage
Credit Score: 850-750
Term: 120 month (2 Year Draw, 8 Year Payback)** Fixed; Line of Credit, 85% Max CLTV
Term: 180 Months, 85% Max CLTV Fixed
As low as; LTV: 80%
As low as; LTV: 80.01% - 90%
St George HELOC Rates
Introductory rate available for the first six (6) months after opening. Automatic payments from a Cyprus Checking account required.
No additional details available.
Variable; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Variable; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Default Rate (prime rate +0%); Rate based on the wall street Journal prime lending rate on the last day of each month. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4%.
Term: 20-Year Term (10-Year Draw); No closing costs if your account remains open for three years or longer. Your individual rate may be higher based upon your creditworthiness. Property insurance is required. Terms and conditions apply. Membership and eligibility required. On approved credit (OAC). No-Cost HELOC offer covers all closing fees except appraisal or Automated Valuation Model (AVM) fees, which must be paid upfront by the borrower. If the loan is paid off within three years from opening, borrowers must reimburse Deseret First Credit Union for the closing fees paid.
No additional details available.
As Low As
Introductory interest rate and APR of 5.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. Based on a Home Equity LOC - Interest-Only with a credit limit of $100,000 and CLTV of 80.00%, the interest rate and APR based on the current index and margin would be 7.00%. Refer to Home Equity LOC - Interest-Only Early Disclosure for more information.
- Sep 18, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Introductory interest rate and APR of 5.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. For example, Home Equity LOC - Percentage of Balance the current rate would be 7.00% APR based on a combined LTV of 80% and credit limit of $100,000. Refer to Home Equity LOC - Percentage of Balance Early Disclosure for more information.
- Sep 18, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Variable; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Variable; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Monday, July 06, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Introductory rate available for the first six (6) months after opening. Automatic payments from a Cyprus Checking account required for introductory rate. HELOC Default Rate APR as low as 6.75% (prime rate +0%). We will loan up to 100% of the property's value based on the evaluation or appraisal, minus 1st mortgage balance. An appraisal may be required on CLTV's (Combined Loan to Value) above 80%. Contact for more details. Loan will be subject to early termination fee. Home Equity Line of Credit rate is based on the wall street Journal prime lending rate on the last day of each month. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4%.
As Low As
As Low As
As low as; *
Introductory rate as low as 5.49% APR1 for 24 months*; After 24 months variable 7.49% - 10.25% APR applies.
APR=Annual Percentage Rate. The information provided is for a 5-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 5.24% interest rate, the APR for this loan type is 5.74%. The monthly payment would be $2,847.21 60 payments of $2,847.21 at an interest rate of 5.24%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 5.74% interest rate, the APR for this loan type is 6.01%. The monthly payment would be $1,645.79 with 120 payments of $1,645.79 at an interest rate of 5.74%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.49% interest rate, the APR for this loan type is 6.60%. The monthly payment would be $1,305.84 with 180 payments of $1,305.84 at an interest rate of 6.49%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.49% interest rate, the APR for this loan type is 6.67%. The monthly payment would be $947.12. 119 payments of $947.12 at an interest rate of 6.49%. The final payment was approximately $128,078.61 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.49% interest rate, the APR for this loan type is 6.69%. The monthly payment would be $1,117.48. 119 payments of $1,117.48 at an interest rate of 6.49%. The final payment was approximately $99,575.53 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
HELOC Default Rate. Home Equity Line of Credit rate is based on the wall street Journal prime lending rate on the last day of each month. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4%.
Published APR range: Starting at 6.75%. Variable
Variable rates as low as
- Sep 18, 20266.75%▲ from 6.00%
- Sep 14, 20266.00%first recorded
As Low As
- Sep 18, 20266.75%▲ from 6.00%
- Sep 14, 20266.00%first recorded
As low as 6.75% VARIABLE APR. Rates and terms are based on creditworthiness, loan-to-value (LTV), occupancy, loan purpose and loan amount, so your rate and terms may differ. Up to 90% LTV financing is available on single family detached residences, and it is based on credit worthiness. All rates and terms quoted apply to properties that are occupied by the borrower. Home Equity Lines - Fees, generally ranging from $50 to $1000 may be incurred depending on loan amount and loan-to-value (LTV). Maximum APR on variable rate is 18%. Other rates & terms available, call for details.
No additional details available.
As Low As
- Sep 18, 20266.99%▲ from 6.74%
- Sep 8, 20266.74%first recorded
Condition: 6-mo. fixed Intro. Introductory APR for 6 months, then as low as 7.00%.
- Sep 25, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Variable rate as low as Prime + 0%. 5-year draw period, 15-year amortization.
Variable
- Sep 18, 20267.00%▲ from 6.75%
- Sep 15, 20266.75%first recorded
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property with a loan amount of $75,000.00 and an estimated property value of $300,000.00 with a combined LTV of 80% or less. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.74% interest rate, the APR for this loan type is 7.07%. The monthly payment would be $860.80. 120 payments of $860.80 at an interest rate of 6.74%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
Rate Type: Variable
The Variable Annual Percentage Rate (APR) is based on the Prime Rate, and will range from 7.25% APR to 18.00% APR. Some restrictions may apply. Actual APR based on creditworthiness and loan amount. Some fees may apply that can range from $10.00 to $5000.00. Rates subject to change. Property Insurance is required. Membership required-based on eligibility. 1% foreign transaction fee. For loans secured by a first lien, payments do not include taxes and insurance and the actual payment obligation will be greater. The introductory rate is for new home equity loans-as well as credit line increases of $20,000 or more-and is available for the first six months after the closing date. Afterward, the APR will convert to a variable rate as listed above. Terms, conditions and exclusions apply. This limited-time offer starts 7/1/26 and can change or be withdrawn at any time.
Term: 10 Year Draw - Up to 15 Year Payback; LTV: Up To 65%; Rate Type: Variable
No additional details available.
Term: 120 month (2 Year Draw, 8 Year Payback); Line of Credit, 85% Max CLTV
Term: 10 Year Draw - Up to 15 Year Payback; LTV: 66 - 80%; Rate Type: Variable
Term: 10 Year Draw - Up to 15 Year Payback; LTV: Up To 65%; Rate Type: Variable
Term: 20-year HELOC: 10-year draw with a 20-year amortization; Rates as low as after intro
Term: 10 Year Draw - Up to 15 Year Payback; LTV: 66 - 80%; Rate Type: Variable
APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate plus a margin of 3.25%. As of December 10, 2025, Prime Rate is 6.75%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) between 81% and 100% of the subject property are based on the Prime Rate plus a margin and your credit score. Property insurance is required. Fees may apply if closed within 36 months. LTV: Up to 81%-100%
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
St George, Utah Home Equity Snapshot
Local housing and income figures that shape how much equity St George, UT homeowners can borrow against. Source: U.S. Census Bureau & FHFA.
Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.
How Much Can You Borrow in Utah?
Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV) — the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80–85%. Using the statewide median home value of $489,400, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:
| Mortgage Stage | Still Owed | Equity Held | Est. You Could Borrow |
|---|---|---|---|
| Earlier in repayment | $342,580 | $146,820 | $73,410 |
| Roughly halfway through | $269,170 | $220,230 | $146,820 |
| Well into repayment | $195,760 | $293,640 | $220,230 |
The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income — the local median household income is $95,166 — before issuing a final offer.
Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.
St George, UT Home Equity Rate Trends
Compare local St George, UT home equity quotes against the statewide average
Daily HELOC and home equity loan averages tracked across our database of verified rate quotes — updated every evening.
Utah HELOC rates fell 0.114 points over the past 7 days to 6.869%.
Utah home equity loan rates fell 0.040 points over the past 7 days to 8.106%.
Utah Home Equity Rate Forecast — Next 12 Months
Where are Utah HELOC and home equity loan rates headed through September 2027?
HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.
What Forecast Rates Mean for St George, UT Borrowers
Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.
| Scenario | HELOC Rate | HELOC Mo. Interest | HE Loan Rate | HE Loan Mo. P&I |
|---|---|---|---|---|
| Today (UT avg) | 6.869% | $286 | 8.106% | $481 |
| 6-Month Forecast | 6.869% | $286 | 8.106% | $481 |
| 12-Month Forecast | 6.619% (6.37–6.82%) | $276 (-$10) | 7.706% (7.36–8.01%) | $469 (-$12) |
Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.
How Home Equity Lending Works in St George, Utah
Home Equity Loan vs HELOC — Quick Comparison
| Feature | Home Equity Loan | HELOC |
|---|---|---|
| Rate Type | Fixed for life of loan | Variable (prime + margin) |
| Payout | Lump sum at closing | Draw as needed, up to limit |
| Term | 5-30 years | 10-yr draw + 20-yr repay (typical) |
| Payment | Fixed P&I from month one | Interest-only during draw (usually) |
| Closing Costs | Typically 2-5% of loan | Often $0 (promos common) |
| Best For | Specific large expense, payment certainty | Ongoing access, flexible borrowing |
Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC — Key Differences, Pros and Cons
St George, Utah Home Equity Loan Calculator
Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.
1. How Much Can You Borrow?
2. Estimated Monthly Payment
Defaults to your estimated borrowing limit — edit to model a smaller loan.
Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our St George, Utah home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for St George, Utah directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in St George, Utah. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from Utah borrowers.
Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders — regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Home Equity Basics for St George, Utah Homeowners
Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a St George, Utah homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.
Home Equity Loan vs. HELOC in St George, Utah
A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, Cyprus Federal Credit Union is listing its Fixed Rate 2nd Mortgage at 6.49%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, Cyprus Federal Credit Union is listing its Home Equity Line of Credit at 4.99%. For St George, Utah borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.
How Much St George, Utah Homeowners Can Borrow
Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a St George, Utah homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.
How St George, Utah Home Equity Rates Are Set
HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a St George, Utah borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.
Risks for St George, Utah Borrowers to Weigh
Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For St George, Utah borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.
Frequently Asked Questions about Home Equity & HELOC Rates in St George, Utah
What is the difference between a home equity loan and a HELOC in Utah?
How much equity do I need to qualify for a HELOC or home equity loan?
What credit score do I need for a home equity loan in Utah?
Are HELOC interest payments tax-deductible?
What is the current prime rate and how does it affect my HELOC?
What is a HELOC draw period?
Can I use a home equity loan or HELOC for debt consolidation?
Are there closing costs on a home equity loan or HELOC?
Should I get a HELOC or a home equity loan?
Can I refinance my HELOC into a fixed-rate home equity loan in Utah?
How much equity could a homeowner in St George, Utah have?
What is a typical home equity loan amount in St George, Utah?
Can households in St George, Utah afford a home equity loan payment?
How do property taxes in St George, Utah affect home equity borrowing?
What percentage of homeowners in St George, Utah have a mortgage they could tap for equity?
What are the best home equity rates in St George, Utah?
- Cyprus Federal Credit Union: 4.99% (Home Equity Line of Credit)
- Security Service Federal Credit Union: 5.99% (Home Equity LOC)
- America First Federal Credit Union: 6.49% (No Closing Costs Fixed For 5 HELOC 50% LTV)
- Deseret First Federal Credit Union: 6.75% (Home Equity No-Cost HELOC)
- State Bank of Southern Utah: 6.75% (Home Equity HELOC Variable)
St George, Utah Rates & Resources
