Compare Certificates of Deposit
What are you saving for? Retirement? Your children's education? Or is your goal more immediate, like next year's projects or a major purchase? No matter how much you need to save, or how soon you want the money, Wachovia Certificates of Deposit offer the earning power and flexibility to help you achieve your goals.
| Reason to Choose | Featured CD | Liquid CD | 24-Month Step Rate CD | IRA CD |
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| Best if your goal is to | Take advantage of special limited-time rates offers | Lock in a guaranteed rate and still be able to withdraw or deposit funds in $500 increments | Receive three automatic rate increases no matter what direction the market takes | Earn tax-deferred interest for your retirement |
| Length of term(s) note 1 | 60 Month CD | 3, 5, and 10 months | 24 months | 3-60 months |
| Rate (APY note 2) | 4.75% See all rates |
1.85%-1.95% See all rates |
2.87% for first 6 months, automatically increasing every 6 months thereafter See all rates |
1.30%-2.80% (tax deferred) See all rates |
| Withdrawals from principal allowed without penalty | None | $500 or more every 7 calendar days, or 7 calendar days after a new deposit, as long as balance remains more than $5,000 note 3 | Any amount 3 times during the CD term on the days your rate is increased, as long as balance remains more than $1,000 note 4 | None |
| Deposits allowed | None | $500 or more every 7 days up to the maximum of $250,000 | None | None |
| Minimum deposit to open account | $5,000 | $5,000 | $1,000 | $1,000 |
| Maximum deposit | $250,000 | $250,000 | $1,000,000 | $1,000,000 |
| Fees | None | None | None | None |
| Online Banking with BillPay | Free | Free | Free | Free |
| FDIC Insurance | Coverage to full legal limit | Coverage to full legal limit | Coverage to full legal limit | Coverage to full legal limit |
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Featured CD | Liquid CD | 24-Month Step Rate CD | IRA CD |
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