Bank · FDIC insured
Zions Bank Carrot Score
A $89B bank, the 35th largest of 4,207, headquartered in Salt Lake City, UT, with 408 branches in 11 states.
Zions Bank Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
- CDs70
- Savings66
- Auto loans63
- Credit cards65
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where Zions Bank ranks
By Carrot score, in each area where it has branches
- #99 of 107Houston-Pasadena-The Woodlands, TX metro57
- #117 of 128Los Angeles-Long Beach-Anaheim, CA metro28
- #40 of 43Salt Lake City-Murray, UT metro28
- #30 of 31Las Vegas-Henderson-North Las Vegas, NV metro25
- #34 of 35San Diego-Chula Vista-Carlsbad, CA metro21
- #57 of 60Phoenix-Mesa-Chandler, AZ metro18
And 74 more areas
- #57 of 64Denver-Aurora-Centennial, CO metro15
- #26 of 29Ogden, UT metro13
- #21 of 25Provo-Orem-Lehi, UT metro13
- #102 of 115Dallas-Fort Worth-Arlington, TX metro11
- #48 of 50Riverside-San Bernardino-Ontario, CA metro10
- #67 of 71San Francisco-Oakland-Fremont, CA metro9
- #14 of 15St. George, UT metro8
- #41 of 47San Antonio-New Braunfels, TX metro7
- #29 of 35Boise City, ID metro7
- #25 of 26Tucson, AZ metro7
- #15 of 16Prescott Valley-Prescott, AZ metro7
- #19 of 21Reno, NV metro5
- #7 of 9Heber, UT metro5
- #8 of 8Elko, NV metro5
- #12 of 15Logan, UT-ID metro4
- #11 of 12Flagstaff, AZ metro4
- #8 of 9Show Low, AZ metro4
- #35 of 39San Jose-Sunnyvale-Santa Clara, CA metro3
- #25 of 29Colorado Springs, CO metro3
- #20 of 24Boulder, CO metro3
- #15 of 17Pueblo, CO metro3
- #12 of 16Idaho Falls, ID metro3
- #10 of 12Sierra Vista-Douglas, AZ metro3
- #10 of 11Lake Havasu City-Kingman, AZ metro3
- #8 of 9Yuma, AZ metro3
- #53 of 62Seattle-Tacoma-Bellevue, WA metro2
- #33 of 35Sacramento-Roseville-Folsom, CA metro2
- #22 of 24Fresno, CA metro2
- #14 of 17Twin Falls, ID metro2
- #13 of 14Grand Junction, CO metro2
- #9 of 13Ontario, OR-ID metro2
- #8 of 10Brigham City, UT-ID metro2
- #7 of 8Carson City, NV metro2
- #6 of 8Hailey, ID metro2
- #6 of 6Durango, CO metro2
- #5 of 5Evanston, WY-UT metro2
- #3 of 3Pahrump, NV metro2
- #50 of 56Portland-Vancouver-Hillsboro, OR-WA metro1
- #47 of 51Austin-Round Rock-San Marcos, TX metro1
- #20 of 23Oxnard-Thousand Oaks-Ventura, CA metro1
- #19 of 21Bakersfield-Delano, CA metro1
- #13 of 16Pocatello, ID metro1
- #10 of 13Rexburg, ID metro1
- #9 of 12Blackfoot, ID metro1
- #8 of 10Burley, ID metro1
- #10 of 10Farmington, NM metro1
- #6 of 10Jackson, WY-ID metro1
- #10 of 10Lewiston, ID-WA metro1
- #8 of 9Edwards, CO metro1
- #7 of 9Gardnerville Ranchos, NV-CA metro1
- #8 of 9Moscow, ID metro1
- #7 of 8Montrose, CO metro1
- #7 of 8Payson, AZ metro1
- #7 of 8Rifle, CO metro1
- #7 of 7Cedar City, UT metro1
- #7 of 7Fallon, NV metro1
- #7 of 7Price, UT metro1
- #5 of 6Nogales, AZ metro1
- #5 of 5El Campo, TX metro1
- #4 of 5Safford, AZ metro1
- #5 of 5Steamboat Springs, CO metro1
- #4 of 4Vernal, UT metro1
- #4 of 4Winnemucca, NV metro1
- #65 of 69Utah92
- #345 of 375Texas77
- #248 of 271California77
- #69 of 73Arizona56
- #38 of 40Nevada43
- #91 of 103Colorado33
- #44 of 50Idaho25
- #98 of 108Washington2
- #68 of 76Oregon1
- #54 of 58New Mexico1
- #29 of 33Wyoming1
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
70beats 26% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 3.05% | 35% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 3.05% | 25% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 3.05% | 39% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 3.05% | 50% | 3.05% | 3.65% | 4.07% |
| Qualified | 3.05% | 16% | 3.85% | 4.15% | 4.35% |
Best rates 44.7 · all terms 33.0 → 40.0 → 70
Savings
66beats 16% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 0.02% | 4% | 0.20% | 0.50% | 1.51% |
| $10,000 | 0.02% | 2% | 0.50% | 1.15% | 2.20% |
| $100,000 | 0.07% | 7% | 1.00% | 2.01% | 2.93% |
| Qualified | 0.50% | 44% | 0.60% | 1.31% | 2.43% |
Best rates 23.0 · all balances 11.9 → 18.6 → 66
Auto loans
63beats 8% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 6.53% | 8% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 6.53% | 11% | 5.39% | 4.99% | 4.49% |
Best rates 11.4 · all vehicles 9.5 → 10.7 → 63
Credit cards
65beats 14% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 13.50% | 15% | 10.90% | 9.90% | 8.90% |
Best rates 14.7 · all rates 14.7 → 14.7 → 65
Where the score could improve
- Savings, $10,0001.15%0.02% today, higher than 2% of U.S. institutions. 1.15% would reach the top quarter; 2.20% the top 10%.
- Savings, $1,0000.50%0.02% today, higher than 4% of U.S. institutions. 0.50% would reach the top quarter; 1.51% the top 10%.
- Savings, $100,0002.01%0.07% today, higher than 7% of U.S. institutions. 2.01% would reach the top quarter; 2.93% the top 10%.
- To score in the 90s3.66%At least one product needs a rate near the best in the country, like 3.66% or more on a 3-8 month CD (3.05% today), and strong rates on its other terms.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How Zions Bank got its score
Its products stand at 40.0 for CDs, 18.6 for savings, 14.7 for credit cards and 10.7 for auto loans, out of 100. Its best two, CDs and savings, average 29.3. Publishing four products adds 3.0, for 32.3. That puts it ahead of 10% of U.S. banks and credit unions: a Carrot Score of 63.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.