Memory Bank, a division of Republic Bank & Trust Company

For information concerning Republic Bank & Trust Company parent bank, please click here .

Online Rates - December 16, 2025

Your current location is: New York City, NY

SAVINGS RATES APY MIN
CD RATES APY MIN
6 Mo CD
3.70% $1,000 Compare
11 Mo CD
3.50% $1,000 Compare
12 Mo CD
3.10% $1,000 Compare
15 Mo CD
3.00% $1,000 Compare
18 Mo CD
2.65% $1,000 Compare
24 Mo CD
2.75% $1,000 Compare
36 Mo CD
3.50% $1,000 Compare
48 Mo CD
3.65% $1,000 Compare
60 Mo CD
3.50% $1,000 Compare
MONEY MARKET RATES APY MIN
Money Market
0.05% $0 Compare




Money that you deposit is held by Republic Bank & Trust Company. Republic Bank & Trust Company is an FDIC insured institution founded in 1982. It has approximately $6.97 billion in assets.

Overview 2025

General Information of the Parent Bank

FDIC Insured Yes
Insured Parent Bank Republic Bank & Trust Company
FDIC Certificate # 23627
Date Established 1982
Assets $6.97 billion
Loans $5.33 billion
Deposits $5.38 billion
Capital $1.00 billion


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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    ONLINE SAVINGS
    Online Bank
    -
    $50,000
    N.A.
    0.05%
    0.22x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    ONLINE SAVINGS
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689