Personal and Business Deposit Rates

Whether you’re looking for personal or business deposit rates, you’ll find both right here, in one convenient location.

Personal Deposit Rates

United Republic Bank Personal Checking and Savings Rates
APYs are accurate as of 09/08/2020

* Checking/Savings Products

Tiers

Minimum to Open

Minimum balance to obtain APY

Interest Rates

Annual Percentage Yield (APY)

Interest Checking

$0-$2,499.99

$100

$0

0.05%

0.05%

 

$2,500-$9,999.99

$100

$2,500

0.10%

0.10%

 

$10,000-$24,999.99

$100

$10,000

0.15%

0.15%

 

$25,000 & Over

$100

$25,000

0.20%

0.20%

UR Time Checking 1

$0-$5,000

$50

$0

3.92%

4.00%

 

$5,000.01 & Over

$50

$5,000.01

0.50%

4.00% - 1.38%

Money Market

$0-$24,999.99

$1,000

$0

0.05%

0.05%

 

$25,000-$99,999.99

$1,000

$25,000

0.15%

0.15%

 

$100,000-$499,999.99 

$1,000

$100,000

0.15%

0.15%

 

$500,000 & Over

$1,000

$500,000

0.20%

0.20%

High Yield Money Market

$0-$250,000

$100,000

$0

0.50%

0.50%

 

$250,000.01 & Over

$100,000

$250,000.01

0.15%

0.50% - 0.33%

Savings

 

$100

$0

0.05%

0.05%

Health Savings

$0-$2,499.99

$250

$0

0.05%

0.05%

 

$2,500-$9,999.99

$250

$2,500

0.10%

0.10%

 

$10,000-$24,999.99

$250

$10,000

0.20%

0.20%

 

$25,000 & Over

$250

$25,000

0.25%

0.25%

* Your interest rate and APY are subject to change after opening. Monthly fees may apply if the daily balance drops below the minimum opening balance. Fees may reduce earnings.

 1 - Must have 50 years of life to qualify; Customer must have a monthly direct deposit into account along with 10 debit transactions per month to earn 4% APY, otherwise the APY reverts to 0.50%.

United Republic Bank Personal Certificate of Deposit Rates
APYs are accurate as of 09/08/2020

** Regular and Retirement Time Certificates

Minimum to Open

Minimum balance to obtain APY

Interest Rates

Annual Percentage Yield (APY)

1-month

$1,000

$1,000

0.10%

0.10%

6-month

$1,000

$1,000

0.25%

0.25%

12-month

$1,000

$1,000

0.45%

0.45%

18-month

$1,000

$1,000

0.50%

0.50%

24-month

$1,000

$1,000

0.55%

0.55%

36-month

$1,000

$1,000

0.65%

0.65%

48-month

$1,000

$1,000

0.85%

0.85%

60-month

$1,000

$1,000

1.09%

1.10%

14-month Step-Up

$1,000

$1,000

0.90%

0.90%

23-month Step-Up

$1,000

$1,000

1.00%

1.00%

 Jumbo deposits are negotiable | Bank has the right to limit deposits | All rates listed may change daily

** A penalty may be assessed for early withdrawal.

Business Deposit Rates

United Republic Bank Business Checking and Savings Rates
APYs are accurate as of 09/08/2020

* Checking/Savings Products

Tiers

Minimum to Open

Minimum balance to obtain APY

Interest Rates

Annual Percentage Yield (APY)

Business Interest Checking

 

$1,000

$1,000

0.05%

0.05%

Business Money Market

$0-$24,999.99

$1,000

$0

0.05%

0.05%

 

$25,000-$99,999.99

$1,000

$25,000

0.15%

0.15%

 

$100,000-$499,999.99

$1,000

$100,000

0.15%

0.15%

 

$500,000 & Over

$1,000

$500,000

0.20%

0.20%

Business High Yield Money Market

$0-$250,000

$100,000

$0

0.50%

0.50%

 

$250,000.01 & Over

$100,000

$250,000.01

0.15%

0.50% - 0.33% 

Business Savings

 

$100

$100

0.05%

0.05%

* Your interest rate and APY are subject to change after opening. Monthly fees may apply if the daily balance drops below the minimum opening balance. Fees may reduce earnings.

United Republic Bank Business Certificate of Deposit Rates
APYs are accurate as of 09/08/2020

** Regular Time Certificates

Minimum to Open

Minimum Balance 
to obtain APY

Interest Rates

Annual Percentage Yield (APY)

1-month

$1,000

$1,000

0.10%

0.10%

6-month

$1,000

$1,000

0.25%

0.25%

12-month

$1,000

$1,000

0.45%

0.45%

18-month

$1,000

$1,000

0.50%

0.50%

24-month

$1,000

$1,000

0.55%

0.55%

36-month

$1,000

$1,000

0.65%

0.65%

48-month

$1,000

$1,000

0.85%

0.85%

60-month

$1,000

$1,000

1.09%

1.10%

14-month Step-Up

$1,000

$1,000

0.90%

0.90%

23-month Step-Up

$1,000

$1,000

1.00%

1.00%

Jumbo deposits are negotiable | Bank has the right to limit deposits | All rates listed may change daily

** A penalty may be assessed for early withdrawal.

Make the Switch to URB

Changing banks can be a hassle, but making the move to URB doesn’t need to be. With our convenient Switch Kit, we’ll help get you organized and make bringing your accounts over a breeze.

DOWNLOAD OUR SWITCH KIT

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