First Republic also requires a larger minimum opening deposit ($10,000) than any of the other banks. ![]() In this side-by-side look, First Republic outdoes the three other banks for rates on six-month CDs but lags when it comes to one- and two-year CDs. By comparison, none of the national average CD rates tracked by the Federal Deposit Insurance Corp. Otherwise, rates for most other CDs at First Republic are 2.00% APY or 3.00% APY. ![]() But to open this or any other CD at First Republic requires a minimum opening deposit of $10,000, an amount that far exceeds that of CDs from many other financial institutions. With a 5.00% APY, First Republic’s rate for a six-month CD beats a number of other financial institutions. ![]() Rates for First Republic’s CDs aren’t the best you’ll come across, but they’re not the worst, either.
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