Loan Rates

Consumer Loan Rates

Home Equity Loan

Combined Loan to Value of 85% (1)
Minimum loan amount $5,000

First Lien Only on Primary or Secondary Residence: 

Term Rate APR (3)(7) Payment Example (2)
60 months 4.49% 4.52% $18.63 per $1,000 borrowed
84 months 4.49% 4.51% $13.89 per $1,000 borrowed
120 months 4.49% 4.50% $10.35 per $1,000 borrowed
180 months 4.49% 4.50% $7.64 per $1,000 borrowed

Home Equity Loan

Combined Loan to Value of 85% (1)
Minimum loan amount $5,000

Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence:

Term Rate APR (3)(7) Payment Example (2)
60 months 4.49% 4.52% $18.63 per $1,000 borrowed
84 months 4.49% 4.51% $13.89 per $1,000 borrowed
120 months 4.99% 5.00% $10.60 per $1,000 borrowed
180 months 5.49% 5.50% $8.17 per $1,000 borrowed

Home Equity Line of Credit

Combined Loan to value of 85% (1)
Minimum loan amount $5,000
This product is a variable rate product with a floor of 3.00% and a maximum of 18.00%
APR may increase after consumation
15-year Draw Period(4)
First, Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence

Loan Amount APR (3)(6)(7)
Up to $75,000 5.49%
$75,001 - $200,000 4.50%
Over $200,000 3.99%

APR for loans up to $75,000 is based on the current Wall Street Journal Prime Rate plus .74%
APR for loans $75,001-$200,000 is based on the current Wall Street Journal Prime Rate minus .25%
APR for loans over $200,000 is based on the current Wall Street Journal Prime Rate minus .76%
Wall Street Journal Prime is currently 4.75%

5 Year Interest Only Home Equity Line of Credit

Combined Loan to value of 80% (1)
Minimum loan amount $5,000
This product is a variable rate product with a floor of 3.00% and a maximum of 18.00%
APR may increase after consumation
5-year Draw Period(8)
First, Second or Third Consecutive Lien (behind Republic Bank) on Primary or Secondary Residence

Loan Amount APR (3)(6)(7)
Up to $75,000 5.49%
$75,001 - $200,000 4.50%
Over $200,000 3.99%

APR for loans up to $75,000 is based on the current Wall Street Journal Prime Rate plus .74%
APR for loans $75,001-$200,000 is based on the current Wall Street Journal Prime Rate minus .25%
APR for loans over $200,000 is based on the current Wall Street Journal Prime Rate minus .76%
Wall Street Journal Prime is currently 4.75%

Auto Loan "NEW"

2016 and 2017 Untitled Models

Term APR (3)(7) Payment Example (2)
12 months 6.90% $86.47 per $1,000 borrowed
24 months 6.90% $44.73 per $1,000 borrowed
36 months 6.90% $30.83 per $1,000 borrowed
48 months 6.90% $23.90 per $1,000 borrowed
60 months 6.90% $19.76 per $1,000 borrowed

Auto Loan "USED"

Maximum Mileage 50,000

Term APR (3)(7) Payment Example (2)
24 months (2012) 7.65% $31.18 per $1,000 borrowed
36 months (2013 & 2014) 7.65% $27.22 per $1,000 borrowed
48 months (2015 & 2016) 7.65% $24.25 per $1,000 borrowed

Unsecured Installment Loan

Minimum loan amount $1,000 - Maximum loan amount $250,000
Post Secondary Private Education Loans not eligible under this product

Term APR (3)(7) Payment Example (2)
12 months 12.24% $67.40 per $1,000 borrowed
24 months 12.24% $47.18 per $1,000 borrowed
36 months 12.24% $33.33 per $1,000 borrowed
48 months 12.24% $26.45 per $1,000 borrowed
60 months 12.24% $22.37 per $1,000 borrowed

Unsecured Line of Credit

5 Year Draw Period(5)
Minimum loan amount $1,000 - Maximum Loan Amount $1,000,000
This product is a variable rate product with a Floor of 6.50% and a maximum of 18.00%
APR may increase after consumation

Loan Amount APR
$1,000 to $25,000 9.00%
$25,001 - $1,000,000 8.00%

Deposit Secured Loan

Minimum loan amount $1,000 - Maximum Loan Amount $1,000,000
Required Balance - 105% of Loan Amount
Post-secondary Private Education Loans not eligible under this product
Fixed rate product with floor of 4.00%

Term APR (3)
We offer a variety of terms for our Deposit Secured Loan Product. Contact your local Republic Bank Store for details. Deposit Account Yield + 2.00%

Cash Reserve

Overdraft Protection Line of Credit
Minimum loan amount of $500 - Maximum Loan Amount $25,000

Term APR(3)
60 months 12.99%

All loans and lines of credit are subject to credit approval.
All loans and lines of credit are limited to $1,000,000 total consumer exposure per relationship.
An appraisal performed by a certified or licensed appraiser will be required at the expense of the Applicant. For all loans and lines over $250,000, or 1st lien purchase money transactions or when a Home Value Estimate (HVE) is not acceptable or available. The cost can range from $125.00 -$1,500.00.
Property insurance is required with Republic First Bank dba Republic Bank listed as mortgagee. Flood insurance may be required if the property resides in a flood hazard area.
Title insurance is required for loans and lines of credit over $400,000 or for 1st lien purchase money transactions.
Primary or secondary (vacation home) residences only. Eligible property types include 1-4 family residences, condominiums.
Non-owner occupied (investment) properties, mobile and manufactured homes, cooperatives and properties held in the name of a Trust are not eligible.

(1) Maximum combined loan to value (CLTV) is based on creditworthiness. Maximum CLTV of 89.9% is available for second liens only at 1% over the disclosed Rate and APR to qualified borrowers. 5 Year Interest Only Line of Credit not applicable. Other terms and conditions may apply.
(2) Monthly payment is based on rate displayed- APR is not used to calculate payment.
(3) APR stands for Annual Percentage Rate
(4) A balloon payment may occur at the end of the 15-year term. You will be required to pay the entire balance in one payment.
(5) A balloon payment may occur at the end of the 5-year term. You will be required to pay the entire balance in one payment.
(6) APR does not include costs other than interest.
(7) APR is quoted with monthly Automatic Payment Deduction (APD) from a Republic Bank account. APR will increase by .25% if APD Accounts terminated at any time.
(8) After 5 year draw period ends, remaining balance will be billed at principal plus interest following terms in credit agreement.