The current Wachovia bank CD rates are 0.01% APY for all balances for a term of three months. The Wachovia certificate of deposit rates are 0.05% APY for a term of six months and one year respectively. The minimum amount required to open these accounts is $2500. The customer also has the option to deposit $5000 or $10,000 for the same rates of interest. Other than these standard rates, there are also special rates that are being offered for a limited period of time. The minimum amount required to open these higher Wachovia interest rates is $5000. The interest rates according to this special offer is 0.15% APY for a term of nine months, 0.55% APY for a term of 26 months, 0.90% APY for a term of 39 months and 1.15% APY for a term of 58 months respectively. The renewal term for the above mentioned special rates are six months, 24 months, 36 months and 48 months respectively. These rates are fairly competitive in the given market conditions.

The current Wachovia Bank mortgage rates are 4.180% APR for a 30 year fixed loan and 4.705% APR for a 30 year fixed FHA loan. Wachovia mortgage rates are 3.565% APR for a 15 year fixed loan and 3.156% APR for a 15 year fixed FHA loan. Wachovia interest rates are 3.156% APR for a 5 year ARM and 2.999% APR for a 5 year ARM FHA loan.

For larger loans in eligible areas, the rates are 4.130% APR for a 30 year fixed loan, 4.784% APR for a 30 year fixed FHA loan and 3.195% APR for a 5 year ARM loan respectively. In the case of jumbo loans, the rates are 4.382% APR for a 30 year fixed loan and 3.195% APR for a 5 year ARM loan. These competitive rates coupled with good features make Wachovia home loans a good option for many homeowners.

This money market account can be opened with a minimum balance of $100 and it can even be funded online. You can transfer from an existing Wells Fargo or Wachovia account or transfer from a non Wachovia account or use credit card. Another option is to send a check by mail or visit the nearest branch and pay with cash or check. These options make it easy to open and maintain the money market account. Also, all customers have access to online and mobile banking to enjoy the convenience that comes with it.

This account comes with a monthly maintenance fee of $10 and this amount is waived if there is a minimum daily balance of $3,500 or a $75 or more automatic transfer is set-up from another Wells Fargo or Wachovia account. The current Wachovia money market rates are 0.05% APY for all balances. The Wachovia bank money market rates are 0.15% APY when this account is linked to PMA Premier checking account, PMA Prime Checking account, Wells Fargo Complete Advantage checking account, Wells Fargo Premium Membership checking account or Wells Fargo Custom Management checking account. These Wachovia interest rates are competitive in the current market conditions.

There are two kinds of savings accounts and they are Way2Save and the Wells Fargo savings account. The minimum amount required to open a Way2Save account is $100 or $25 when an automatic transfer is set-up every month. This account comes with a monthly maintenance fee of $5 and this is waived when a minimum daily balance of $300 is maintained or if there is an automatic transfer set-up. In the case of the Wells Fargo savings account, the minimum opening balance is $25,000 and a daily balance of $25,000 shoud be maintained to avoid the monthly maintenance fee of $25.

The current Wachovia savings account rates for the Way2Save account are 0.05% APY for all balances. The Wachovia Bank savings rates for the Wells Fargo savings account are 0.05% APY for a balance of less than $25,000 and 0.20% for a balance of $25,000 or more. Wchovia savings rates are higher when this account is linked with a checking account and in that case, the rates are 0.15% APY for a balance of less than $25,000 and 0.30% APY for a balance of $25,000 or more. These Wachovia interest rates are attractive.

There are many advantages of using Wachovia online banking for the customers. One of the key advantage is the better control they have over their finances. They can check their balance as well as their list of transactions at any time and it is also possible to transfer money from savings to checking account or vice-versa easily. Even check images can be viewed and monthly statements can be downloaded through the Wachovia Bank online banking system. These options are available for all accounts like checking, savings, money market, CDs and even loans.

Wachovia banking online helps customers to pay their bills online. They can schedule payments that have to be made on a certain date to any utility company and the bank will automatically pay the due amount on the specified date. This takes a huge burden off the shoulders of customers because they no longer have to worry about late payments and the fees that come with it. Besides, alerts pertaining to balances and transactions are sent to cell phones or emails and this makes it easy for customers to keep track of whats going on with their finances. All these features have made it convenient for customers to perform their banking transactions.

The Wachovia Bank CD rates are 0.01% APY for three months and the minimum balance required to open these accounts can be $2,500, $10,000 or $100,000. The amount of balance in the account has no bearing on the interest rates at this point. The Wachovia CD rates are 0.10% APY for a period of six months and 0.15% for a period of one year respectively. The Wachovia certificate of deposit rates for a period of 11 months is 0.20% APY and for 33 months, it is 0.90% APY. Wachovia interest rates are 1.40% APY for a period of 43 months and 2.15% APY for a period of 58 months respectively. These rates are quite competitive in the current market conditions.

Other than the interest rates, customers should also understand the fees and charges that come with the account because it can reduce their earnings over a period of time. In this product, there is a withdrawal fee for withdrawals made before the end of the term period. This rate is one month’s interest for a term of three months and less, three months’ interest for a term of 3-12 months, 6 months’ fee for a term that is more than twelve months and the minimum fee is $25.

The first category is the FHA loans category where Wachovia bank mortgage rates are 5.65% APR for 30 years, and 5.624% APR for 30 years Fixed FHA. For a 15 years fixed mortgage, the Wachovia home loans rate are 4.447% APR and the 5 year ARM interest rate is 3.258%APR. For a 3 years fixed FHA loan, the Wachovia interest rates are 3.351% APR.

For eligible people under larger loan amount (Confirming FHA) for a 30 years fixed mortgage, the Wachovia mortgage rates are 5.568% APR and for 5 years ARM, the interest rate is 3.255% APR.

There are some loans that exceed the confirming loan amount for that area and the interest rates for such loans are different. For a 30 year fixed mortgage, the interest rate is 5.390% APR and for 5 years ARM, the Wachovia bank mortgage loan rate is 3.388% APR.

The exact category of loan and the terms can be chosen based on your financial commitments and personal preferences. However, this is the best time to buy a house because the house prices are historically at one of its lowest and also the bank rates are reasonable.

The current Wachovia money market rates are 0.05% APY for all balances. The Wachovia Bank money market rates are higher for relationship customers and this is 0.15% APY for all balances. Relationship rates are offered to customers who have other accounts with Wachovia Bank such as PMA prime checking account, Wells Fargo complete advantage checking account, Wells Fargo premium membership checking account and Wells Fargo custom management checking account.

The minimum opening deposit for money market account is $100 and there is no monthly fee when you maintain a minimum balance of $3,500 or if you have a $75 automatic withdraw from any other account with Wachovia or Wells Fargo Bank. Additionally, the account comes with overdraft protection and the account holder is automatically eligible to use online and mobile banking. These are some of the advantages of having a Wachovia money market account and it is a good investment option for anyone looking to save money in the long run. The good interest rates also make it an attractive option for numerous investors.

For balances from $0 to $9,999, the Wachovia savings account rates are 0.02% APY. If you have a balance of $10,000 to $24,999, then the interest rate that you will earn is 0.10% APY. In the case of balances from $25,000 to $49,999, the Wachovia bank savings account rates are 0.20% APY. For a balance of $25,000 to $49,999, the interest rate is 0.24% APY and for balances of $100,000 and more, the Wachovia savings rates are 0.30% APY.

No fee is charged for using Wachovia and Wells Fargo bank’s ATM facilities when you have a savings account with Wachovia. To avoid monthly maintenance fee, a minimum balance of $25,000 is required to be maintained. $10 is charged as over draft protection transfer fee while $15 is charged for transactions exceeding six third party or pre-authorized transfers per month. Apart from these, a monthly maintenance fee of $25 is charged to your account. Wachovia high yield savings account rates are however subject to changes based on economic conditions.

These rates are reasonable in the current market conditions and along with other convenient features, this is definitely a good option for investing your money.

There are a whole lot of things you can do with online banking. You can not only check your account balances but also view the transaction history up to 90 days of your activity of your savings account, your money market account, your savings account, CD account as well as your loan accounts. You can view and save up to 7 years of your online bank statements. With the convenience of sitting in your home, transfer of funds between not only your Wachovia accounts but also any bank or financial institution in which you hold an account in US, is possible. It gives you a better control over your money.

Issue of checks is no longer required as you can pay all you bills with Wachovia bank online banking. This saves money on postage and stamps and also saves a lot of your time waiting for the physical arrival of your statements by post. You can get your account balances delivered to your email or wireless device totally free of cost. Reorder of checks and stop payment of checks could be done with Wachovia online banking. You can also send secure messages to the Wachovia Bank customer service regarding your accounts.