Regions Bank has emerged as a major bank based in Birmingham, Alabama. The bank offers a wide range of investment opportunities. The mortgage rates at Regions Bank are dependant on national economic outlook, federal rules and regulations and overall financial health of the company. Regions Bank mortgage rates for the fixed rate terms as of April 2010 are as follows and they are subject to change.

For a loan amount of $100,000 and amortization term of 15 years, the bank offers an APR of 4.863% with an interest rate of 4.50%. There will be a total of 180 payments with a monthly amount of $765.

Regions Bank rates for a loan amount of $100,000 and amortization term of 30 years is estimated at 5.469% APR. Interest rate is 5.25% and estimated monthly payment is $552.21 for a total of 360 months. Loan to value percentage is 80% for both 15-year and 30-year amortization.

Regions home loans are also available for first time home buyers. The company offers a loan amount of $100,000 for an amortization term of 30 years under this package. Interest rate is accrued at 6.500% and APR is 6.729%. Loan to value percentage is 97% under this offer. A total of 360 monthly payments will be due with a monthly payment estimate of $ 632.07. Regions mortgage rates offer standard APR and interest rates after taking into account the conditions of the real estate and mortgage market.

Regions Bank on line banking offers real-time balances on all accounts, of course, as well as transfers.  A nice Getting Started Guide will show you how to utilize the features of Regions On Line banking.  Regions Bank online banking also offers Bill Pay, secure messaging to bank personnel, and access to current Regions Bank rates.  A great interactive demo shows you hands-on how Regions Bank online banking works.

Another great feature is Regions Bank Online banking transactional alerts will send you messages via text messaging or email to let you know when a transaction happens.  And, if your information is stolen, you have Zero Liability through the Regions Bank guarantee.

The speed, especially with mobile banking, is still very good and you can load Regions Bank rates quickly to see how you’re money is doing or where you might be able to have it do better.  You can also download your account information into popular financial software like Quicken or Money through Regions Bank online banking.

The Regions Bank on line banking site is easy to use and straight-forward in its banking approach.  Definitely worth a look, it’s free to use for Regions Bank Online banking customers and account holders.

Regions Bank CD rates for a 3-month investment is currently estimated at 0.15%. A 6-month CD at Regions Bank will return an APY of 0.45%.

Regions Bank rates for a 9-month CD will also return an APY of 0.45%. A 1-year CD at the bank will return an APY of 0.90%.  This APY is shared with the 15-month CD as that also offers an APY of 0.90%. An 18-month investment will return a special APY of 1.15% though rates will remain 1.01% for CDs in the range of 19-23 months.

Regions CD rates for a 2-year investment are currently estimated at an APY of 1.25% whereas an investment in a 3-year CD returns an APY of 1.50%.

Regions Bank certificate of deposit rates for an investment in a 4-year CD will return an APY of 1.75% whereas an investment in a 5-year CD will yield 2.00%. Highest CD rates are available for the 6-year investment option at an APY of 2.00%.

Regions Bank Jumbo CD rates are the most profitable investment option. A 42-month CD under this investment option will return an APY of 2.25%. An 8-month CD offers an APY of 0.75%. Minimum deposit requirement for an investment of greater than 90 days is $500; investments lower than 90 days must be at least $2,500 or higher. The bank will apply penalties and will deduct amounts from CDs in case of early withdrawals and other violations of user agreements.

Birmingham, Alabama-based Regions Financial Corporation is a premier banking institution in the American Southeast region. Its footprint is spread from Virginia to Texas and all the way to American Midwest Region of Missouri. Regions Bank is the main banking arm of the company and offers a whole range of investment options. Regions Bank CD rates for a 3-month investment is currently estimated at 0.15%. A 6-month CD returns an APY of 0.45%.

Regions Bank rates for a 9-month CD are also accrued at 0.45%. A 1-year CD returns an APY of 0.90% whereas a 15-month CD also yields an APY of 0.90%. An 18-month CD returns an APY fo 1.01%.

Regions CD rates for a 2-year investment returns an APY of 1.25% whereas an investment in a 3-year CD returns an APY of 1.50%.

Regions certificate of deposit rates for an investment in a 4-year CD will return an APY of 1.75% whereas an investment in a 5-year CD will yield 2.00%. An APY of 2.00% is also applicable on the 6-year investment option.

Regions Bank Jumbo CD Rates are basically the highest possible APY that are accrued on special CD investments. A 31-month CD under this investment option returns an APY of 2.50%. A 14-month CD returns an APY of 1.60% whereas an 8-month CD offers an APY of 1.01%. Minimum deposit requirement for an investment of greater than 90 days is $500; investments lower than 90 days must be at least $2,500 or higher.

There are currently four special Regions CD rates available.  These require a $10,000 minimum deposit to open and maintain.  The 7 month special returns 1.01% annual percentage yield (APY), 12 months gives 2.00% APY, 23 months gives 2.50% APY, and 42 months gives 3.25% APY.  Those are very competitive nationally.

Standard term Regions Bank certificate of deposit rates are also available, of course, and are also nationally competitive.  These range from 2 months to 72 months.  These Regions Bank rates require a $500 minimum deposit.

At 2 months, they return 0.25% APY, 3-5 months gives 0.40% APY, 6 months 0.90% APY, 8-11 months is the same, 13-22 months is 1.26% APY, 24-35 months gives 1.50% APY, 46-41 months gives 1.76% APY, as does 43-59 months, and 60-72 months gives 2.00% APY.

Not as good as the specials, for sure, but still good Regions Bank CD rates worth considering.  For the shorter terms, there is no change with Regions Bank Jumbo CD rates.  A Jumbo is anything over $100,000 in deposit.  Longer terms have better rates, usually by 0.2-1%, depending on the term.  The special terms (above) have no difference in their Regions Bank Jumbo CD rates versus standard returns.

Regions Bank is, of course, FDIC insured to the fullest extent of the law.  If any of these Regions Bank CD rates appeal to you, lock your Regions Bank rates in today.  Regions CD rates change often and without notice, so be sure to grab the one you want now before Regions certificate of deposit rates alter.

This hasn’t changed, though the annual percentage yield (APY) goes up to 0.25% now ($50,000+ deposit). The lowest is at 0.05% APY for deposits under $2,500. They go up in 0.05% increments at $2,500, $10,000, and $25,000 intervals.

Regions Bank rates change often, of course, on a variable rate account like a Regions money market rates account. Minimum balances of at least $2,500 must be kept to avoid fees on your Regions interest rates.

A Platinum Relationship Regions money market interest rates account is available. This one is tiered as before, but has typically higher rates (roughly 1% APY) and a minimum balance requirement of $15,000.

While we were looking, we checked the high yield Regions Bank rates for savings and saw that they aren’t as good as Regions money market rates right now. They have much lower balance requirements ($50), however.

Regions interest rates on both high-yield savings and Regions money market rates are compounded daily. They’re definitely worth a look if you’re in the Regions Bank operating area. All Regions Bank account are FDIC insured.

Right now, two money market rates are available plus a few Regions savings account offers.  The standard money market account has a $2,500 minimum deposit while the platinum requires a $15,000 minimum deposit.

Rates are tiered according to deposit/balance amounts.  For Regions Bank high interest savings in these money markets, the standard pays 0.10% annual percentage yield (APY) for up to $9,999 in deposits.  That goes up to 0.15% for up to $24,999 and 0.20% APY for up to $49,999 and then 0.25% APY above that.

The same tiers are for platinum relationship money markets for Regions Bank rates, but the yields are higher.  For $15,000 to $19,999, the yield is 1.01% APY, then 1.75% APY for anything over that.  This is a good Regions Bank high yield savings option.

Regions savings account yields are the same no matter the deposit amount, so for $0 or up, the return is 0.10% APY.  If you have a significant amount to deposit, consider a different option.  Lifegreen Savings options for Regions Bank high interest savings yields 0.25% APY no matter the deposit.

The current Regions Bank rates are comparable to other banks and are slightly lower than they were last month.  Regions Bank high yield savings offers have no specials right now, as they did last month.  All Regions Bank accounts are FDIC insured.

The special rates are for 6, 9, 18, and 39-47 month terms.  These have a minimum deposit of $10,000, but whether you already have a Regions account or not, there is no difference, so relationship banking doesn’t help Regions Bank CD rates in this case.

For the 6 month term, the annual percentage yield (APY) is 1.50% and for 9 months, the Regins CD rates are 1.74% APY.

For an 18 month term, the Regions bank rates are 2.0% APY, which is very competitive nationally.  For 39-47 month terms, you get Regions Bank CD rates for 3.0% APY.  That is good compared to some national offers right now.

These special offers are at least a full point above the standard Regions CD rates right now.  So if you’re looking at getting in on Regions certificate of deposit rates, it’s a good idea to do so quickly.  These rates can change again quickly.  All Regions accounts are FDIC insured.  Stay tuned for updates on more Regions Bank rates.

Currently, the fixed-rate Regions home loans are averaging about 6.70% annual percentage rate (APR) at 80% for 15 years and 6.95% for 30.  That’s for average qualifying credit.  Adjustable Rate Mortgage (ARM) offers are at 30 years, with 1-10 year fixed-to-adjust times at 6.875% APR to start before adjusting.

For first time buyers, Regions home loans offers limited down payment options with average interest rates being around 7.88% APR for 30 years.  Those are fixed mortgage rates at Regions Bank offerings, not ARMs.  Other, more flexible options such as interest-only and similar loan products are also available at various Regions Bank mortgage rates.

Under the unique MyCommunity Mortgages plan, Regions bank rates are offered for various alternative plans to get your home.

Whatever you’re looking for in a mortgage, you’ll probably want to have a closer look at the mortgage rates at Regions Bank to see what they can offer you.  They ar ea large, well-established lender with a lot to offer.  Maybe Regions home loans are for you.

Regions Bank on line banking offers real-time balances on all accounts, of course, as well as transfers.  Regions Bank online banking also offers Bill Pay, secure messaging to bank personnel, and access to current Regions Bank rates.

Some of the more unique and useful tools included with Regions online banking is “transactional alerts.”  If you’re like me, you have a terrible time remembering when your automatic transfers or bill payments happen.  Regions Bank Online banking transactional alerts will send you messages via text messaging or email to let you know when a transaction happens.  So no more forgetting!

Other useful tools include downloads to your favorite accounting software like Quicken and 24 hour 1-800 customer support.  There are Regions Bank online banking offers and accounts for commercial and small business accounts as well.

The Regions Bank on line banking site is easy to use and straight-forward in its banking approach.  It’s free to use for Regions Bank Online banking customers and account holders and there is a free interactive demonstration to show you how it works.  Definitely worth looking into for those interested in Regions Bank rates and Regions online banking.