Certificates of Deposit Disclosure

Florida Content


This disclosure contains the rules which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us at 1-888-782-3333 or visit our website at www.republicbank.com. This time deposit is not transferable.

Rate Information
The interest rate and annual percentage yield for your account is stated below.

Term Interest Rate APY
6 Month 0.20% 0.20%
9 Month 0.25% 0.25%
12 Month 0.25% 0.25%
18 Month 0.25% 0.25%
24 Month 0.50% 0.50%
30 Month 0.50% 0.50%
36 Month 0.60% 0.60%
48 Month 0.75% 0.75%
60 Month 1.98% 2.00%

Minimum Opening Deposit Requirements
To open this account you must deposit at least $1,000.

Interest Distribution Method
Interest will be paid - select one below
[  ] Monthly or [  ] Quarterly or [  ] Semi-annually or [  ] Annually

Payment Method: Capitalize

If you close your account before interest is credited, you will receive the accrued interest. The choice to withdraw rather than redeposit the interest reduces the annual percentage yield and earnings on the account.

Balance/Accrual Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Time Requirements
The maturity date for your account is listed below.

Term Maturity Date
6 Month 6 Months
9 Month 9 Months
12 Month 12 Months
18 Month 18 Months
24 Month 24 Months
30 Month 30 Months
36 Month 36 Months
48 Month 48 Months
60 Month 60 Months

Time Deposit Limitations
After the Account is opened, you may not make deposits to the Account. Partial withdrawals may be made in amounts equal to or greater than $1,000, so long as the remaining balance at least equals the balance required to open the Account. An Early Withdrawal Penalty will be imposed on the amount withdrawn. Special withdrawal limitation rules apply to Individual Retirement Accounts (IRAs).

Early Withdrawal Penalty
A fee equal to 5% of the balance will be imposed. We will permit an early withdrawal without imposing this penalty if this IRA account and the request for early withdrawal is made within seven days of establishing the account. However, the amount of interest earned on the amount withdrawn will be forfeited.

Renewal Policy and Terms
This account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to redeem certificate without penalty. Interest that accrues during this grace period will not be paid unless certificate is renewed. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same as we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposits.


Kentucky/Indiana Content


This disclosure contains the rules which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us at 1-888-782-3333 or visit our website at www.republicbank.com. This time deposit is not transferable.

Rate Information
The interest rate and annual percentage yield for your account is stated below.

Term Interest Rate APY
6 Month 0.20% 0.20%
9 Month 0.25% 0.25%
12 Month 0.25% 0.25%
18 Month 0.25% 0.25%
24 Month 0.50% 0.50%
30 Month 0.50% 0.50%
36 Month 0.60% 0.60%
48 Month 0.75% 0.75%
60 Month 1.98% 2.00%

Minimum Opening Deposit Requirements
To open this account you must deposit at least $1,000.

Interest Distribution Method
Interest will be paid - select one below
[  ] Monthly or [  ] Quarterly or [  ] Semi-annually or [  ] Annually

Payment Method: Capitalize

If you close your account before interest is credited, you will receive the accrued interest. The choice to withdraw rather than redeposit the interest reduces the annual percentage yield and earnings on the account.

Balance/Accrual Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Time Requirements
The maturity date for your account is listed below.

Term Maturity Date
6 Month 6 Months
9 Month 9 Months
12 Month 12 Months
18 Month 18 Months
24 Month 24 Months
30 Month 30 Months
36 Month 36 Months
48 Month 48 Months
60 Month 60 Months

Time Deposit Limitations
After the Account is opened, you may not make deposits to the Account. Partial withdrawals may be made in amounts equal to or greater than $1,000, so long as the remaining balance at least equals the balance required to open the Account. An Early Withdrawal Penalty will be imposed on the amount withdrawn. Special withdrawal limitation rules apply to Individual Retirement Accounts (IRAs).

Early Withdrawal Penalty
A fee equal to 5% of the balance will be imposed. We will permit an early withdrawal without imposing this penalty if this IRA account and the request for early withdrawal is made within seven days of establishing the account. However, the amount of interest earned on the amount withdrawn will be forfeited.

Renewal Policy and Terms
This account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to redeem certificate without penalty. Interest that accrues during this grace period will not be paid unless certificate is renewed. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same as we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposits.

 

Minnesota Content


This disclosure contains the rules which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us at 1-888-782-3333 or visit our website at www.republicbank.com. This time deposit is not transferable.

Rate Information
The interest rate and annual percentage yield for your account is stated below.

Term Interest Rate APY
6 Month 0.20% 0.20%
9 Month 0.25% 0.25%
12 Month 0.25% 0.25%
18 Month 0.25% 0.25%
24 Month 0.50% 0.50%
30 Month 0.50% 0.50%
36 Month 0.60% 0.60%
48 Month 0.75% 0.75%
60 Month 1.98% 2.00%

Minimum Opening Deposit Requirements
To open this account you must deposit at least $1,000.

Interest Distribution Method
Interest will be paid - select one below
[  ] Monthly or [  ] Quarterly or [  ] Semi-annually or [  ] Annually

Payment Method: Capitalize

If you close your account before interest is credited, you will receive the accrued interest. The choice to withdraw rather than redeposit the interest reduces the annual percentage yield and earnings on the account.

Balance/Accrual Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Time Requirements
The maturity date for your account is listed below.

Term Maturity Date
6 Month 6 Months
9 Month 9 Months
12 Month 12 Months
18 Month 18 Months
24 Month 24 Months
30 Month 30 Months
36 Month 36 Months
48 Month 48 Months
60 Month 60 Months

Time Deposit Limitations
After the Account is opened, you may not make deposits to the Account. Partial withdrawals may be made in amounts equal to or greater than $1,000, so long as the remaining balance at least equals the balance required to open the Account. An Early Withdrawal Penalty will be imposed on the amount withdrawn. Special withdrawal limitation rules apply to Individual Retirement Accounts (IRAs).

Early Withdrawal Penalty
A fee equal to 5% of the balance will be imposed. We will permit an early withdrawal without imposing this penalty if this IRA account and the request for early withdrawal is made within seven days of establishing the account. However, the amount of interest earned on the amount withdrawn will be forfeited.

Renewal Policy and Terms
This account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to redeem certificate without penalty. Interest that accrues during this grace period will not be paid unless certificate is renewed. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same as we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposits.

 

Tennessee Content


This disclosure contains the rules which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us at 1-888-782-3333 or visit our website at www.republicbank.com. This time deposit is not transferable.

Rate Information
The interest rate and annual percentage yield for your account is stated below.

Term Interest Rate APY
6 Month 0.20% 0.20%
9 Month 0.25% 0.25%
12 Month 0.25% 0.25%
18 Month 0.25% 0.25%
24 Month 0.50% 0.50%
30 Month 0.50% 0.50%
36 Month 0.60% 0.60%
48 Month 0.75% 0.75%
60 Month 1.98% 2.00%

Minimum Opening Deposit Requirements
To open this account you must deposit at least $1,000.

Interest Distribution Method
Interest will be paid - select one below
[  ] Monthly or [  ] Quarterly or [  ] Semi-annually or [  ] Annually

Payment Method: Capitalize

If you close your account before interest is credited, you will receive the accrued interest. The choice to withdraw rather than redeposit the interest reduces the annual percentage yield and earnings on the account.

Balance/Accrual Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Time Requirements
The maturity date for your account is listed below.

Term Maturity Date
6 Month 6 Months
9 Month 9 Months
12 Month 12 Months
18 Month 18 Months
24 Month 24 Months
30 Month 30 Months
36 Month 36 Months
48 Month 48 Months
60 Month 60 Months

Time Deposit Limitations
After the Account is opened, you may not make deposits to the Account. Partial withdrawals may be made in amounts equal to or greater than $1,000, so long as the remaining balance at least equals the balance required to open the Account. An Early Withdrawal Penalty will be imposed on the amount withdrawn. Special withdrawal limitation rules apply to Individual Retirement Accounts (IRAs).

Early Withdrawal Penalty
A fee equal to 5% of the balance will be imposed. We will permit an early withdrawal without imposing this penalty if this IRA account and the request for early withdrawal is made within seven days of establishing the account. However, the amount of interest earned on the amount withdrawn will be forfeited.

Renewal Policy and Terms
This account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to redeem certificate without penalty. Interest that accrues during this grace period will not be paid unless certificate is renewed. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same as we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposits.

 

Ohio Content


This disclosure contains the rules which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us at 1-888-782-3333 or visit our website at www.republicbank.com. This time deposit is not transferable.

Rate Information
The interest rate and annual percentage yield for your account is stated below.

Term Interest Rate APY
6 Month 0.20% 0.20%
9 Month 0.25% 0.25%
12 Month 0.25% 0.25%
18 Month 0.25% 0.25%
24 Month 0.50% 0.50%
30 Month 0.50% 0.50%
36 Month 0.60% 0.60%
48 Month 0.75% 0.75%
60 Month 1.98% 2.00%

Minimum Opening Deposit Requirements
To open this account you must deposit at least $1,000.

Interest Distribution Method
Interest will be paid - select one below
[  ] Monthly or [  ] Quarterly or [  ] Semi-annually or [  ] Annually

Payment Method: Capitalize

If you close your account before interest is credited, you will receive the accrued interest. The choice to withdraw rather than redeposit the interest reduces the annual percentage yield and earnings on the account.

Balance/Accrual Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Time Requirements
The maturity date for your account is listed below.

Term Maturity Date
6 Month 6 Months
9 Month 9 Months
12 Month 12 Months
18 Month 18 Months
24 Month 24 Months
30 Month 30 Months
36 Month 36 Months
48 Month 48 Months
60 Month 60 Months

Time Deposit Limitations
After the Account is opened, you may not make deposits to the Account. Partial withdrawals may be made in amounts equal to or greater than $1,000, so long as the remaining balance at least equals the balance required to open the Account. An Early Withdrawal Penalty will be imposed on the amount withdrawn. Special withdrawal limitation rules apply to Individual Retirement Accounts (IRAs).

Early Withdrawal Penalty
A fee equal to 5% of the balance will be imposed. We will permit an early withdrawal without imposing this penalty if this IRA account and the request for early withdrawal is made within seven days of establishing the account. However, the amount of interest earned on the amount withdrawn will be forfeited.

Renewal Policy and Terms
This account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to redeem certificate without penalty. Interest that accrues during this grace period will not be paid unless certificate is renewed. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same as we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposits.

 

Northern Kentucky Content


This disclosure contains the rules which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us at 1-888-782-3333 or visit our website at www.republicbank.com. This time deposit is not transferable.

Rate Information
The interest rate and annual percentage yield for your account is stated below.

Term Interest Rate APY
6 Month 0.20% 0.20%
9 Month 0.25% 0.25%
12 Month 0.25% 0.25%
18 Month 0.25% 0.25%
24 Month 0.50% 0.50%
30 Month 0.50% 0.50%
36 Month 0.60% 0.60%
48 Month 0.75% 0.75%
60 Month 1.98% 2.00%

Minimum Opening Deposit Requirements
To open this account you must deposit at least $1,000.

Interest Distribution Method
Interest will be paid - select one below
[  ] Monthly or [  ] Quarterly or [  ] Semi-annually or [  ] Annually

Payment Method: Capitalize

If you close your account before interest is credited, you will receive the accrued interest. The choice to withdraw rather than redeposit the interest reduces the annual percentage yield and earnings on the account.

Balance/Accrual Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Time Requirements
The maturity date for your account is listed below.

Term Maturity Date
6 Month 6 Months
9 Month 9 Months
12 Month 12 Months
18 Month 18 Months
24 Month 24 Months
30 Month 30 Months
36 Month 36 Months
48 Month 48 Months
60 Month 60 Months

Time Deposit Limitations
After the Account is opened, you may not make deposits to the Account. Partial withdrawals may be made in amounts equal to or greater than $1,000, so long as the remaining balance at least equals the balance required to open the Account. An Early Withdrawal Penalty will be imposed on the amount withdrawn. Special withdrawal limitation rules apply to Individual Retirement Accounts (IRAs).

Early Withdrawal Penalty
A fee equal to 5% of the balance will be imposed. We will permit an early withdrawal without imposing this penalty if this IRA account and the request for early withdrawal is made within seven days of establishing the account. However, the amount of interest earned on the amount withdrawn will be forfeited.

Renewal Policy and Terms
This account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to redeem certificate without penalty. Interest that accrues during this grace period will not be paid unless certificate is renewed. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same as we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposits.