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First Republic Bank

Popular Accounts at this Bank

2.25%5-year CD5 Year CD
2.30%6+ Year CD6 Year CD
1.75%4-year CD4 Year CD

Overview / Commentary
101 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 32nd largest bank in the nation. It was established in 2010 and as of September of 2017, it had grown to 3,939 employees at 74 locations. First Republic Bank has an A health rating.

Related Posts

19-Month CD Special In California - 7/16/2017

Saw this First Republic Bank ad in Sunday's San Diego Union Tribune: 1.50% APY 19-month CD Special $10,000 minimum balance

First Republic Bank Adds 28-Month CD Special - 5/17/2017

First Republic Bank is offering a 28-month CD Special (1.70% APY). $10k min/$1m max. Market area includes CA, CT, FL, MA, NY, and OR.

1.70% 28-Month CD Special at First Republic Bank - 5/14/2017

$10,000 minimum balance APYs are in effect as of 5/8/2017 CDs are subject to substantial penalty for early withdrawal. Appears to be available in all of the bank's regions: https://www.firstrepublic.com/current-deposit-rates

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Reviews (4)

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.

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 - YTD0.95%
Return on Equity - YTD10.47%
Annual Interest Income$1.80B
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$84.32B$67.99B
LoansQ3 2017vs Q3 2016$59.84B$50.08B
DepositsQ3 2017vs Q3 2016$65.44B$55.06B
Equity CapitalQ3 2017vs Q3 2016$7.43B$6.44B
Loan Loss AllowanceQ3 2017vs Q3 2016$347.8MM$296.1MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$37.9MM$55.8MM
Real Estate OwnedQ3 2017vs Q3 2016$0$1.2MM
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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

0.25%*$250k*-Passbook Savings
OTHER TIERS: 0.05% Up to $50k | 0.08% $50k - $150k | 0.15% $150k - $250k

First Republic Bank Money Market Rates

0.15%*$500k*-Money Market Savings
OTHER TIERS: 0.05% Up to $50k | 0.07% $50k - $250k | 0.08% $250k - $500k
0.15%*$250k*$25mBusiness Reward Money Market Savings
OTHER TIERS: 0.10% Any amount
0.10%*$500k*-Money Market Checking
OTHER TIERS: 0.05% Up to $250k | 0.06% $250k - $500k
0.10%*$250k*$25mBusiness Money Market
OTHER TIERS: 0.06% Any amount

First Republic Bank Checking Account Rates

0.05%--Business Interest Checking
0.01%$3,500-ATM Rebate Checking

First Republic Bank CD Rates

2.30%$10k-6 Year CD
2.25%$10k-5 Year CD
1.75%$10k-4 Year CD
1.70%$10k-3 Year CD
1.70%$10k-25 Month CD Special
1.50%$10k-2 Year CD
1.50%$10k-13 Month CD Special
1.30%$10k-18 Month CD
1.30%$10k-10 Month CD Special
1.00%$10k-7 Month CD Special
0.60%$10k-12 Month CD
0.50%$10k-6 Month CD
0.25%$10k-3 Month CD
0.25%$10k-15 Month Liquid CD
0.15%$25k-30 Day CD