Monthly fees may apply if the daily balance drops below the minimum opening balance. * Your interest rate and APY are subject to change after opening. Business Deposit Rates United Republic Bank Business Checking and Savings Rates ** A penalty may be assessed for early withdrawal. Jumbo deposits are negotiable | Bank has the right to limit deposits | All rates listed may change daily ** Regular and Retirement Time Certificates United Republic Bank Personal Certificate of Deposit Rates Customer must have a monthly direct deposit into account along with 10 debit transactions per month to earn 4% APY, otherwise the APY will be reduced to 0.50% on the entire balance for the month.Ģ - Customer must have a monthly direct deposit into the account, along with 20 debit card transactions per month and e-statements to earn the APYs shown, otherwise the APY will be reduced to 0.05% on the entire balance for the month.ģ - Must be 18 years of age or younger to qualify. Fees may reduce earnings.ġ - Must have 50 years of life to qualify. * Your interest rate and APY are subject to change after opening. Personal Deposit Rates United Republic Bank Personal Checking and Savings Rates Over the next two years, the Fed increased the fed funds rate to combat high. Login Personal and Business Deposit Rates In November 2021, the best CD rates nationwide across terms of 6 months to 5 years ranged from 0.70 to 1.35 APY.