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First Republic Bank

Popular Accounts at this Bank

2.00%5-year CD5 Year CD
2.25%6+ Year CD6 Year CD
1.50%4-year CD4 Year CD

Overview / Commentary
111 Pine Street
San Francisco, CA 94111

First Republic Bank is headquartered in San Francisco and is the 3rd largest bank in the state of California. It is also the 34th largest bank in the nation. It was established in 2010 and as of December of 2016, it had grown to 3,566 employees at 73 locations. First Republic Bank has an A health rating.

Related Posts

15-Month CD Special In San Diego - 1/8/2017

Saw this First Republic Bank ad in Sunday's San Diego Union Tribune: 1.25% APY 15-month CD Special $10,000 minimum balance $1,000,000 maximum deposit

First Republic Bank Raises Rates On Long Term CDs - 11/25/2016

First Republic Bank (CA, CT, FL, MA, NY, OR) has raised the rates on its 5-year CD (2.00% APY) and 6-year CD (2.25% APY). Min deposit is $10k, with a $1m balance cap.

CD Rate Increases - 11/23/2016

First Republic Bank has just posted some meaningful CD rate increases--2.25% APY for 6 years and 2.00% APY for 5 years.  Although by themselves these are not all that exciting, some branches in the past have offered bonuses (20 to 25 basis points) for those with checking account relationships, like me.  The rates seem to apply at all branches in California, Oregon, New York, Massachusetts, Connecticut and Florida.  It's also offering a 17-month 1.50% APY special. Usually, it doesn't give relationship bonuses for "specials." I'll look into these for myself but right now I would end up going with Andrews if that Black Friday special goes into December or perhaps with another credit union--eg, Pen Fed--if a real good deal shows up on December 1.

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Reviews (5)

Best Bank Ever

Posted by: Anonymous | Dec 2, 2011

Truly the best bank I have ever been a part of. I have been a part of three other banks. Before that, I won't name names. I currently have two accounts, one at First Republic, and another at a large national bank. I love that I can call First Republic, and they know who I am, just by my voice. I have had some minor problems like not being refunded for ATM fees. Instead of causing a large fuss, they opened a case for me, went back a month and researched why my ATM fee was not given to me. All this work for $3. They do whatever it takes to make a problem right. (and free warm cookies are a plus)

Not Your Mega-Bank

Posted by: Bozo | Jun 23, 2012

We've had various accounts with First Republic, off and on, for quite a few years (I was actually one of their first customers when they opened on Pine Street in San Francisco). Our most recent experience is our re-fi. Can't find any aspect of the transaction thus far below five stars. The "bank" itself feels more like a club room. No teller windows, just bankers at desks (no waiting in line, just have a seat). The only reason I notched it down from five stars to four would be their CD rates. Used to be stellar, now sub-par. Bottom line: if you live in an area serviced by First Republic (we're in Northern California), check them out.

Old-fashioned banking. Your "personal banker" will actually give you his or her card, with e-mail address, direct dial and cell numbers, and (more importantly) answer his or her phone when you call, or (at minimum) call you right back. End of voice-mail hell.

CD's Buyers Beware

Be Cautious about NEW CD "Products".  One "otherwise Attractive" CD Product requires a customer to open a New Checking Account with a modest Minimum Balance.  The small minimum balance may be a little nuisance, but it is NOT the problem.  The problem IS that one must wait about 2 days to actually "purchase" the New CD.  So don't be tempted to deposit your check (for the amount of the CD and the "minimum checking account balance") into the New Checking Account, because you won't be credited (at the CD Rate) for the 2 days that your money sits in the checking account. 

First Republic COULD make the CD's Date of Issue the day you deposit your cashiers check in the institution (LIKE MOST BANKS DO), but they'd miss out on all the extra gravy from this "trick".  You may think YOUR lost interest is not worth the hassle, but to the Bank, it's not peanuts.  For example, $2 billion (a GUESS) @ 3% APY (a GUESS) for 2 days is >$328,000.00.--a pretty nice bonus for the the Bank's CEO.

You Decide For Yourself

Became a customer with high hopes. Started off OK because I believed the empty promises. trouble started while trying to get my online account stated. spent 1/2 hour getting no where. Tried again 2 days later and when i spoke to technical support they told me there was a problem with the system. Told my banker Andy Hartman about the problems and he offered to send out checks for me to my payees from my account.. Spent another 4 hours trying to get a repeat wire transfer set up. No one in technical support including the of the supervisor could solve the dept could fix the issue. Had enough and asked to be compensated for the wasted hours I spent no surprise it was refused and Andy and agreed to close the account not before reminding me he sent out the checks from my account which he seemed to want a medal for which just seemed like his job After not being able to send out funds from my online banking. Immediately after closing the account he emails me that I would have to change my direct deposits. I was expectinting deposits so I said let's keep the accounts opened until I could straighten out the direct deposit situation to which I was told to late. If he had explained this prior to closing the acct of course I would have waited. Again when told him of my frustration his response well I took care of paying the bills. Yes Andy you did your job in paying the bills when I couldn't because your system wasn't working and could not be fixed. I have heard anybody getting a medal for doing their job. Still working on fixing the direct deposit problems you caused. thanks for nothing!

BE AWARE. You Could Lose Your Money Too!!!!

BE AWARE!! I have lost a lot of money with them!!! I used to like this bank, until I actually realize they had made a mistake and sent my money order 2x. They cost me a lot of money. It is an inexcusable mistake for a bank. The worst part is that they did not return my money, even though  they admitted making a mistake. Don't trust a bank that cannot stand by their clients. You could be next. If you experience any issues with them please let me know. I need support to recover my money.


Health Grade Components

FDIC Certificate #59017
Year Established2010
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD10.74%
Annual Interest Income$1.99B
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$73.28B$58.98B
LoansQ4 2016vs Q4 2015$52.11B$43.87B
DepositsQ4 2016vs Q4 2015$58.60B$47.89B
Equity CapitalQ4 2016vs Q4 2015$6.91B$5.71B
Loan Loss AllowanceQ4 2016vs Q4 2015$306.4MM$261.1MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$49.0MM$77.7MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First Republic Bank Savings Account Rates

0.10%*$150k*-Passbook Savings
OTHER TIERS: 0.05% Up to $50k | 0.08% $50k - $150k

First Republic Bank Money Market Rates

0.08%*$150k*-Money Market Savings
OTHER TIERS: 0.05% Up to $50k | 0.07% $50k - $150k
0.06%*$150k*-Money Market Checking
OTHER TIERS: 0.05% Up to $150k
0.02%*$50k*-Business Reward Money Market Savings
OTHER TIERS: 0.01% Up to $50k
0.01%--Business Money Market

First Republic Bank Checking Account Rates

0.01%$3,500-ATM Rebate Checking
0.01%--Business Interest Checking

First Republic Bank CD Rates

2.25%$10k$1m6 Year CD
2.00%$10k$1m5 Year CD
1.50%$10k$1m4 Year CD
1.45%$10k$1m3 Year CD
1.45%$10k-26 Month CD Special
1.30%$10k$1m2 Year CD
1.25%$10k-18 Month CD Special
1.00%$10k-10 Month CD Special
0.60%$10k$1m12 Month CD
0.50%$10k$1m6 Month CD
0.25%$10k$1m3 Month CD
0.15%$25k$1m30 Day CD
0.15%$10k$1m15 Month Liquid CD

First Republic Bank has 69 locations. Click to view all First Republic Bank locations.