The current interest rates for single family primary residence are as follows. Conforming loans are those home mortgages eligible for sale either to FNMA or FHLMC while FHA loans are those loans that are backed by the guarantee of FHA. FHA stands for Federal housing Administration which is a US agency that is a part of National Housing Act 1934. The Wachovia bank mortgage rates for a 30-year fixed mortgage for conforming loans and FHA loans are 4.686% APR. For 30 years fixed FHA, the rates are 5.233% APR. For 15 year fixed, the Wachovia home loans interest rate is 4.069% APR. For 5 year ARM (adjustable rate mortgage), the interest rates at Wachovia Bank are 3.209% APR. For a 5 year ARM FHA, the interest rates are 3.074% APR.

For larger loan amounts in eligible areas, Wachovia mortgage rates for 30 years fixed is 4.760% APR while for a 30 year fixed FHA loan, the interest is 5.309% APR. For 5 years ARM, the interest rate is 3.293% APR.

In the jumbo loans category (here the loan amount exceeds the Conforming loan amounts) interest rate for 30 year Fixed is 5.264% APR and for a 5 year ARM, the interest is 3.652% APR.

For a balance of $0 to $4999, the Wachovia Bank money market rates are 0.02% APY while for a balance of $5000 to $9999, the Wachovia savings rates are 0.05%APY. In the case of a balance of $10,000 to 24,999, Wachovia money market rates are 0.10% APY while a balance of $25,000 to $49,999 carries an interest rates of 0.16% APY. For a balance of $50,000 to $99,999, the Wachovia interest rates are 0.20%, from $100,000 to $249,999 interest rates are 0.30% and for $250,000 and more, the Wachovia interest rates are 0.40% APY.

The customers are required to maintain a minimum balance of $2500 to avoid a monthly maintenance fee of $10. Every third party transfer that exceeds the maximum allowable transactions or a preauthorized third party transfer attracts a fee of $15 per month. Overdraft transfer protection fee of $10 is also charged. A minimum of $1000 is required to open an account and for opening an account online a minimum of $75,000 is required.

Wachovia money market rates are 0.02% APY for a deposit of up to $5000. From $5000 to $9999, the Wachovia bank money market rates are 0.05% APY. From $10000 to $24,999, the interest rate is 0.10% APY. For a deposit of $25000 to $49,999, the Wachovia bank money market rates are 0.16% APY. The money market interest rates is 0.20% for a deposit of $50,000 to $99,999.The Wachovia interest rates are 0.30% for deposit of $100000 to 249999 and it is 0.40% APY for any amount over $250000. these Wachovia savings rates are quite competitive in the current market conditions.

Besides these interest rates, there are numerous features that come with it. Wachovia offers free ATM withdrawal for all customers. However, a maintenance fee is charged. Monthly service fee is $10 for those who fail to maintain a minimum balance of $2500. Over draft protection transfer fee is charged at $10. $15 is charged for pre-authorized third party transfer exceeding 6 times. A minimum of $1000 is required as a minimum online deposit and maximum deposit is $75000. These rates are nominal and are levied to cover the additional costs incurred by the bank. Also, all deposits are insured by FDIC and these are some of the reasons for the popularity of Wachovia’s  money market account.

There are many kinds of saving accounts offered by Wachovia. The first is an account called Way2Save where the Wachovia savings account rates are 5%. They also provide a 5% eligible bonus for customers holding a balance of up to $300. Accounting fee is waived for this account. Monthly service fee is waived for the 1^st year and after that it is waived for qualified transactions while others are charged $5 per month. Overdraft protection transfer fee is waived for accounts that are linked with any Wachovia checking account. For others, $10 is charged per transfer.

The next account is the premium savings account. Minimum balance is not required and , Wachovia bank savings account rates are .05%. ATM withdrawal charges are waived for all customers. A monthly service fee of $5 is charged on accounts that do not meet the minimum balance requirements of $500. A minimum initial online deposit of $100 is required and maximum online deposit should be $25000 only. These Wachovia high yield savings rates are very competitive and are intended to benefit the customers in many ways.

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There are a whole lot of things that you can do with Wachovia Bank online banking. You can check all your accounts including the financial activity and balances. This will give you a better control over your daily transactions. There is no need to write down your expenses in a piece of paper. With online banking feature, you can log into your account and track all your expenses. However, you will only be able to track expenses that were paid with a debit card or check. Nevertheless, it will give you good control over your money.

Besides tracking your expenses, you can use Wachovia banking online to view monthly statements. This will help you to get paperless. Also, you can use this feature to pay your bills. You can schedule to pay on a particular date every month and it will be automatically paid from your account. Otherwise, you can also manually pay the bills by logging in. You can also transfer funds from one account to another with a lot of ease. The days of going to your local branch to transfer money from one account to another is gone. Online banking will help you to do all this and more right from the comfort and convenience of your homes.

Wachovia offers four different savings accounts and they are Way2Save, High Performance Money Market, Premium savings and health savings account or HSA. Way2Save is a kind of savings account in which Wachovia will deposit $1 for every purchase you make using your check card. This Wachovia high yield savings account comes with a rate of 5.00% APY. The Premium savings account is one of the most popular savings products of Wachovia Bank. The current Wachovia Bank savings account rates for this product is 0.05% APY. This account can be opened and managed online. The minimum opening amount is $100 and the maximum that you can put into this account through the online option is $25,000.

The Health Savings account or HSA is another savings product that can be beneficial, thanks to the competitive Wachovia interest rates . It has been designed to help you save for your health and medical emergencies.  High performance money market account is another savings account offered by Wachovia Bank. The rates are 0.40% APY for all balances. With all these accounts, you will get 24 hours online access and all your deposits are insured by FDIC for greater security and protection.

There are two kinds of CDs offered by Wachovia Bank and they are fixed rate CDs and IRA CDs. Fixed rate CDs are a great way to save for a host of reasons including college or even for emergencies. With this CD, you are guaranteed a certain amount of return through the period of the CD. Interest on the CD is compounded daily and so the amount earned by way of interest is reasonably high. Also, all the CDs are insured by FDIC. The minimum amount required to open an account is $5,000 and it also comes with an automatic renewal option at the end of the term period. IRA CDs are the perfect way to save for your retirement. They offer many kinds of IRAs like Roth, SEP and the traditional one.

The current Wachovia Bank CD rates for a term of 3 months are 0.01% for all balances. The Wachovia certificate of deposit rates for a period of 6 months and 9 months are 0.20%. The interest rates for a term of 12 months are 0.40%, 18 months is 0.60% and 24 months is 0.70% respectively. These rates are quite competitive and you can consider this avenue for your investment needs.

The current Wachovia Bank mortgage rates for conforming and FHA loans for a period of 30 years is 5.318% APR. This is a fixed rate loan and so the rates do not vary according to the market rates. Conforming loans are conventional home mortgages that meet the eligibility requirements laid down by the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). The mortgages must be eligible to be sold to these agencies because they have to purchase the first mortgage up to the existing loan amounts. This has been made mandatory through a Congressional directive. FHA Loans are those that have the backing of the Federal Housing Administration (FHA) or the Veterans Association (VA). Wachovia interest rates for a 30-year FHA loan is 6.028% APR while a 15-year fixed loan has an interest rate of 4.700% APR. The adjustable mortgage rates (ARM) are slightly lower than the fixed rate loans and currently, they have an interest rate of 3.647% for a 5 year loan. In the case of a 5-year FHA ARM loan, the interest rates are 3.384%. These rates are very attractive and you can look into this option if you are shopping for good mortgage rates.

Wachovia offers only three types of credit cards, which is very different from other banks because they offer numerous cards that one can use for different purposes. Wachovia visa cards are the only ones that are given at this point. Wells Fargo Rewards Card, Wells Fargo Platinum Card and Wells Fargo College Card are the different cards offered by this bank. The current Wachovia Bank credit card rates are 0% for the first six months and after this period, there will be a standard rate plus a margin rate, if the card carries variable rate. The card can have a variable rate or a standard rate, depending on the terms of the agreement. All these cards have no annual fee and this makes it attractive. The Wachovia Bank interest rates on these cards are competitive and it is 11.15% variable for the Wells Fargo Rewards Card, 9.15% variable for Wells Fargo Platinum card and 12.15% for Wells Fargo College card respectively. The Wells Fargo College Card has a starting rate of 5.9% APR for the first six months, while it is 0% for the other two cards. In short, the Wachovia Bank visa cards are popular for the features and the rates.

The current Wachovia money market rates are 0.02% APY for a balance of less than $5000. The Wachovia Bank money market rates for a balance between $5000 and $9999 is 0.05%. The rates are 0.10% for a balance of $10,000 to $24,999, 0.20% for balances between $25,000 and $49,999, 0.25% for balances between $50,000 and $99,999, 0.30% for balances between $100,000 and $249,999 and 0.40% for balances over $250,000. Wachovia savings rate is one of the min reasons many people choose this option to put in their money.