Eagle Lending Terms and Conditions

The Eagle Gold All-in-One Student Loan Refinancing product is not an education loan and may remove federal privileges and benefits associated with existing student loans. Applicants should discuss loan terms and conditions with their banker and contact their legal or financial advisors for advice on deciding whether this is the right product for them.

First Republic Bank has a limited service area for retail banking. Eagle Gold All-in-One applicants must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. In Florida, Applicant shall be responsible for any documentary tax due pursuant to state law. For a complete list of locations, visit our locations page or contact a First Republic banker.

Variable Interest Rates: A variable interest rate loan has an interest rate that is tied to an index, 1-month LIBOR, and will increase and decrease periodically if the index changes. Therefore your monthly payment may change over the life of the loan. Variable rate is based on 1-month LIBOR index plus a margin set by First Republic Bank. Lifetime rate cap is 8.95% for 5, 7 or 10 year term and 9.95% for 15 year term. LIBOR is rounded up to the next highest one-eighth (1/8th) of a percentage point.

Annual Percentage Rate. Please note that rates are subject to change and that all loans are subject to the Bank’s underwriting standards. Additional information may also be required for verification of the information that is provided. Rate effective date can be found here. Applicants must meet a First Republic banker in person to complete account and loan application paperwork. This can be done at any First Republic preferred banking office.

In order to qualify for these rates, applicants must also open a First Republic ATM Rebate Checking account with automatic loan payment, direct deposit of main source of income and online banking. Minimum $500 to open an ATM Rebate Checking account. A monthly fee will apply if a minimum monthly average balance of $3,500 is not maintained. Monthly fee waived for first three months; monthly fee is currently $25.00. Ask your banker for details. Without automatic loan payment, direct deposit and online banking, the rates will be as listed plus 5.00%. Terms and conditions apply.

This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at the time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.