I thought we could take a look at what they have to offer.

Right now the national average for mortgage rates look like this:

• 30 yr Fixed – hovering right around 4.25%
• 15 yr Fixed – staying right around 3.7%
• 5/1 ARM – as low as 3.41%

Today (please note the date of this article for accuracy if you find this in the future) Everbank rates are:

• 30-yr fixed – 4.000% with an APR of 4.126%
• 15-yr fixed – 3.375% with an APR of 3.571%
• 5/1 ARM – 3.000% with an APR of 3.077%

Ever wonder how APR is Calculated?

As you can see in every term EverBank is beating the national average.

Of course these rates are based on a loan scenario of 80% LTV (loan to value), conforming loan amount, primary residence and an excellent credit score.  If you want to read all the fine print click here.

Who is EverBank?

EverBank is a privately held bank holding company.  Their headquarters are in Jacksonville, Florida and have over 700,000 customers all across the nation. They have an estimated $11.2 billion in assets and nearly $9 billion in deposits. EverBank is one of the nations fastest growing bank holding companies.  They have nearly 2,200 employees.

EverBank was founded in 1961 and saw continued slow growth until about 10 years ago Everbank exploded; starting at under 2 billion in assets in 2001 to now nearly 12 billion.

EverBank also has good CD Rates.

Everbank is offering other great rates which are all falling below the national average.

• 30-year fixed      4.250% with a 4.374% APR
• 15-year fixed       3.750% with a 3.939% APR
• 5/1 ARM                3.500% with a 3.397% APR

See the national mortgage rates here.

Everbank, which is headquartered in Jacksonville Florida, boasts consistent asset growth over the last 3 decades. With nearly 12 billion in assets and almost 2,000 employees Everbank prides itself on exceptional service and proven expertise in particular financial arenas.

Everbank is one of the industries fastest growing and high performing bank holding companies.

Now they can benefit you with tremendous mortgage rates which are hitting record lows.

To check out the Everbank information and fine print go here.

The 30 year fixed rate at 4.25% and APR of 4.374% is…

• Based on a $250,000 price with 20% down payment equaling a mortgage amount of $200,000.
• Based on a credit score of 720 or greater.
• If 20% down payment can not be provided mortgage insurance will need to be added.

The Yield Pledge^® Certificate of Deposit is offering high yields and is FDIC Insured.  With the Yield Pledge you can expect your savings to earn high yields that EverBank promises to be in the top 5% of competitive accounts from leading banks. This is true when purchasing the CD and when it rolls over.

Check out the National Best CD Rates Here.

Here are the EverBank benefits.

• No more chasing for a high yield when you open or roll over a CD — Yield Pledge does that automatically.
• Choose your term. –  Make the CD mold to your financial needs and goals.
• Great features such as a reminder sent to you twenty days prior to maturity and automated rollovers.

EverBank Yield Pleadge CD Rates:

Visit EverBank for more info and CD Minimum Balances.

EverBank can serve you.  These are not just CD Rates in Florida, but nationwide.

An online savings account functions the same way as a money market account but the main notable benefits of the online savings account are their flexibility, lucrative returns and FDIC protection. Most of these online savings accounts can be managed from anywhere nationwide, which makes them even more noticeable. Many people, who have large balances in their checking account, tend to opt for these high interest savings account or checking account in order to earn some extra interest on their idle cash.

Here are the Best 3 Online Savings Accounts For November 2009:

• EverBank – Has a promotional 2.51% APY interest rate for all balances for the first 3 months. After the first 3 months the rate drops to 1.77% APY and will be paid on balances up to $50,000. There is a monthly fee of $8.95 if your account balance falls below the $5,000 mark. A minimum opening balance of $1,500 is required.
• WTDirect – Online savings account yields 1.51% APY on balances above $10,000. WTDirect is out of Baltimore, Maryland and is a subsidiary of Wilmington Trust Bank, which has been in business for 100 year. The yield from WTDirect has been consistently higher when compared to competing banks.
• ING Direct – One of the first online banks around and knows the business better than most other banks. Not only did they not need a brick and mortar business, but by saving money from not having one, they are able to pass the savings to their customers. Their online savings account yields 1.30% APY. ING Direct is known to have one of the best online interfaces around.

If you know of a bank that has better online savings account rates, then please let us know.