Bank · FDIC insured
Republic Bank CD Rates
Top CarrotRepublic Bank’s best CD rate is 4.25% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Republic Bank’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Republic Bank has the most branches. $10,000, best rate first.
This bank’s best
Republic Bank
4.25%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,313
Certificates of Deposit
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
Republic Bank CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Republic Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.25%APY · 9 terms
Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 11 months | 4.00% | $366 |
| 12 monthsPartial withdrawals are not allowed for 12 Month CD | 3.10% | $310 |
| 15 months | 3.00% | $376 |
| 18 months | 3.25% | $491 |
| 24 months | 4.00% | $816 |
| 36 months | 4.15% | $1,297 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.25% | $2,313 |
Sources (1)
- republicbank.com/personal/cd-certificates-of-deposit · captured Oct 15, 2026
Special-purpose accounts
IRA – Individual Retirement Accounts
Up to 4.25%APY · 9 terms
Set aside money in certificates of deposit for retirement savings. Available as Traditional IRA (contributions under age 70 1/2 with earned income, tax-deferred) and Roth IRA (no age restriction with earned income, tax-free after 5 years). Limit of $2,000,000 maximum deposit per CD or IRA product. Early withdrawal penalty applies. Partial withdrawals allowed in amounts equal to or greater than $1,000 provided remaining balance is at least $1,000. Automatically renews at maturity to a 6 month certificate of deposit with a 10 calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 11 months | 4.00% | $366 |
| 12 months | 1.25% | $125 |
| 15 months | 3.00% | $376 |
| 18 months | 3.25% | $491 |
| 24 months | 4.00% | $816 |
| 36 months | 4.15% | $1,297 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.25% | $2,313 |
Sources (2)
- republicbank.com/disclosures/i…ment-accounts-disclosure
- republicbank.com/personal/pers…dual-retirement-accounts
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.