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Deposit and loan products are offered by First Republic Bank, Member FDIC and Equal Housing Lender
1This is not a student loan. The terms of this product may differ from terms of your current loan. For example, this product does not contain special features such as forbearance periods and income-based repayment plans available for student loans. Applicants should discuss loan terms and conditions with their banker and contact their legal and financial advisors for advice on deciding whether this is the right product for them. Go back
2In order to qualify for the rates listed above, applicants must open a First Republic ATM Rebate Checking account with automatic loan payment and direct deposit. 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. Ask your banker for details. For fixed rate loans, if at any time during the life of the loan the borrower does not maintain automatic loan payment or direct deposit, the rates will be listed as above plus 5.00%.
Variable interest rate is based on 3-month LIBOR index plus margin. The interest rate and monthly payment will increase or decrease when the index changes. LIBOR is rounded up to the next highest one-eighth (1/8) of a percentage point. Lifetime rate cap is 8.95% for 5-, 7- or 10-year term and 9.95% for 15-year term. If at any time during the term of the loan, borrower terminates automatic loan payment or direct deposit, the variable rates will be as listed plus 5.00% and, such increase is not subject to the lifetime rate caps. Floor rate is 1.50% for 5-year term, 1.90% for 7-year term, 2.60% for 10-year term and 3.05% for 15-year term. Go back
3Annual Percentage Rate. Rates effective as of May 1, 2017 and are subject to change. Go back
Eagle Gold All-in-One Applicants must be located within close proximity to our offices which are primarily in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. Not all loans or products are available in all states. For a complete list of locations, visit our locations page or contact a First Republic banker.
This is not a commitment to lend or extend credit. All loans are subject to the Banks's underwriting standards. Additional information may be required for verification of documents provided. In Florida, applicant shall be responsible for any documentary tax due pursuant to state law. 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.