Republic Bank of Chicago Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Republic Bank of Chicago's Certificate of Deposit rates are at 3.01%, Certificate of Deposit rates are at 1.50%, IRA Certificate 36-Month rates are at 1.50%, IRA Certificate 48-Month rates are at 1.50%, IRA Certificate 60-Month rates are at 1.50%. Republic Bank of Chicago's savings rates are at 0.00%. Republic Bank of Chicago's money market rates are at 0.00%.
Rate Updates and Availability
Republic Bank of Chicago money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Republic Bank of Chicago? Share your experience about Republic Bank of Chicago by leaving a review below, or read customer reviews before you decide to use Republic Bank of Chicago.
Republic Bank of Chicago Texas Ratio
Republic Bank of Chicago's Texas Ratio is at 4.71%, which is considered excellent.
The Texas Ratio for Republic Bank of Chicago is lower than the national average of all banks, currently at 6.13%.
The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks.
Banks that have a Texas Ratio of 100% or more have a high chance of failing.
MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Republic Bank of Chicago has earned a Smart Rating of 5.0 out of 5 stars.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Overall, Republic Bank of Chicago is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
Certificate of Deposit
1.49%
1.50%
36 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 36 month
1.49%
1.50%
36 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 48 month
1.49%
1.50%
48 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 60 month
1.49%
1.50%
60 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
Certificate of Deposit
1.24%
1.25%
25 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 30 month
1.24%
1.25%
30 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
Certificate of Deposit
0.99%
1.00%
14 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 18 month
0.99%
1.00%
18 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 24 month
0.99%
1.00%
24 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
Certificate of Deposit
0.74%
0.75%
8 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 12 month
0.74%
0.75%
12 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 9 month
0.74%
0.75%
9 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
Certificate of Deposit
0.49%
0.50%
3 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 3 month
0.49%
0.50%
3 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
IRA Certificate 6 month
0.49%
0.50%
6 Months
Min Deposit$1,000
DetailsPenalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Last Updated02/11/2026
Republic Bank of Chicago Savings Rates
Product
Rate
APY
View More
Commercial Savings Tier Two
0.10%
0.10%
Min Deposit$1,000
DetailsMinimum Deposit to Open: $1,000
Last Updated02/11/2026
Elements Basic Savings Tier Three
0.10%
0.10%
Min Deposit$25
DetailsMinimum Deposit to Open: $25
Last Updated02/11/2026
Elements Basic Savings Tier Two
0.10%
0.10%
Min Deposit$25
DetailsMinimum Deposit to Open: $25
Last Updated02/11/2026
Republic Statement Savings Tier Three
0.10%
0.10%
Min Deposit$25
DetailsMinimum Deposit to Open: $25
Last Updated02/11/2026
Republic Statement Savings Tier Two
0.10%
0.10%
Min Deposit$25
DetailsMinimum Deposit to Open: $25
Last Updated02/11/2026
Starter Statement Savings Tier Two
0.10%
0.10%
Min Deposit$25
DetailsMinimum Deposit to Open: $25
Last Updated02/11/2026
Commercial Savings Tier One
-
0.00%
Min Deposit$1,000
DetailsMinimum Deposit to Open: $1,000
Last Updated02/11/2026
Elements Basic Savings Tier One
-
0.00%
Min Deposit$25
DetailsMinimum Deposit to Open: $25
Last Updated02/11/2026
Republic Statement Savings Tier One
-
0.00%
Min Deposit$25
DetailsMinimum Deposit to Open: $25
Last Updated02/11/2026
Starter Statement Savings Tier One
-
0.00%
Min Deposit$25
DetailsMinimum Deposit to Open: $25
Last Updated02/11/2026
Republic Bank of Chicago Money Market Rates
Product
Rate
APY
View More
Business Digital Money Market Tier One
3.69%
3.75%
Min Deposit$2,500
DetailsIf balance falls below $2,500, a $25 maintenance fee will be assessed. Maximum account balance is $250,000. If balance exceeds $250,000, Annual Percentage Yield (APY) on entire balance will decrease to 3.50%. Account must be funded with money not currently on deposit with Republic Bank of Chicago within the last 180 days (i.e., new money which has not been held in a Republic Bank deposit account of any kind in the last 6 months). Other terms and conditions may apply.
Last Updated02/11/2026
Business Digital Money Market Tier Two
3.45%
3.50%
Min Deposit$2,500
DetailsIf balance falls below $2,500, a $25 maintenance fee will be assessed. Maximum account balance is $250,000. If balance exceeds $250,000, Annual Percentage Yield (APY) on entire balance will decrease to 3.50%. Account must be funded with money not currently on deposit with Republic Bank of Chicago within the last 180 days (i.e., new money which has not been held in a Republic Bank deposit account of any kind in the last 6 months). Other terms and conditions may apply.
Last Updated02/11/2026
Commercial Power Index Money Market Tier Two
2.66%
2.70%
Min Deposit$10,000
Min Balance$10,000
DetailsThe minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply.
Last Updated02/11/2026
IRA Money Market
2.66%
2.70%
Min Deposit$25
DetailsNo minimum daily balance to obtain stated APY; no monthly maintenance fee. Other terms and conditions may apply.
Last Updated02/11/2026
Power Index Money Market Tier Two
2.66%
2.70%
Min Deposit$10,000
Min Balance$10,000
DetailsThe minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply.
Last Updated02/11/2026
Business Money Market Tier One
0.10%
0.10%
Min Deposit$2,500
Min Balance$10,000
DetailsThe required minimum average daily collected balance is $10,000. A $30 maintenance fee will be imposed every statement cycle. Other terms and conditions may apply.
Last Updated02/11/2026
Business Money Market Tier Two
0.10%
0.10%
Min Deposit$2,500
Min Balance$10,000
DetailsThe required minimum average daily collected balance is $10,000. A $30 maintenance fee will be imposed every statement cycle. Other terms and conditions may apply.
Last Updated02/11/2026
Business Select Money Market Tier Five
0.10%
0.10%
Min Deposit$2,500
DetailsOther terms and conditions may apply.
Last Updated02/11/2026
Business Select Money Market Tier Four
0.10%
0.10%
Min Deposit$2,500
DetailsOther terms and conditions may apply.
Last Updated02/11/2026
Business Select Money Market Tier Three
0.10%
0.10%
Min Deposit$2,500
DetailsOther terms and conditions may apply.
Last Updated02/11/2026
Business Select Money Market Tier Two
0.10%
0.10%
Min Deposit$2,500
DetailsOther terms and conditions may apply.
Last Updated02/11/2026
Executive Money Market Tier Four
0.10%
0.10%
Min Deposit$2,500
Min Balance$2,500
DetailsThe minimum daily balance to obtain the stated APY and avoid the $25 monthly maintenance fee is $2,500. Other terms and conditions may apply.
Last Updated02/11/2026
Executive Money Market Tier Three
0.10%
0.10%
Min Deposit$2,500
Min Balance$2,500
DetailsThe minimum daily balance to obtain the stated APY and avoid the $25 monthly maintenance fee is $2,500. Other terms and conditions may apply.
Last Updated02/11/2026
Executive Money Market Tier Two
0.10%
0.10%
Min Deposit$2,500
Min Balance$2,500
DetailsThe minimum daily balance to obtain the stated APY and avoid the $25 monthly maintenance fee is $2,500. Other terms and conditions may apply.
Last Updated02/11/2026
Business Select Money Market Tier One
-
0.00%
Min Deposit$2,500
DetailsOther terms and conditions may apply.
Last Updated02/11/2026
Commercial Power Index Money Market Tier One
-
0.00%
Min Deposit$10,000
Min Balance$10,000
DetailsThe minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply.
Last Updated02/11/2026
Executive Money Market Tier One
-
0.00%
Min Deposit$2,500
Min Balance$2,500
DetailsThe minimum daily balance to obtain the stated APY and avoid the $25 monthly maintenance fee is $2,500. Other terms and conditions may apply.
Last Updated02/11/2026
Power Index Money Market Tier One
-
0.00%
Min Deposit$10,000
Min Balance$10,000
DetailsThe minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply.
Last Updated02/11/2026
Republic Bank of Chicago Checking Rates
Product
Rate
APY
View More
Choice Checking Tier One
1.98%
2.00%
Min Deposit$25
DetailsOnline Only. Other terms and conditions may apply.
Last Updated02/11/2026
Republic Platinum Checking with BaZing
0.10%
0.10%
Min Deposit$25
Min Balance$1,500
DetailsMinimum balance to avoid fee: A maintenance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $1,500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply.
Last Updated02/11/2026
Choice Checking Tier Two
-
0.00%
Min Deposit$25
DetailsOnline Only. Other terms and conditions may apply.
Last Updated02/11/2026
Elements Basic Checking
-
0.00%
Min Deposit$25
Min Balance$100
DetailsMinimum balance to avoid fee: A maintenance fee of $5.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply.
Last Updated02/11/2026
Republic Essential Checking
-
0.00%
Min Deposit$25
Min Balance$100
DetailsMinimum balance to avoid fee: A maintenance fee of $7.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply.
Last Updated02/11/2026
Republic Silver Checking with BaZing
-
0.00%
Min Deposit$25
DetailsMonthly Maintenance Fee: $6.00 per statement cycle. Other terms and conditions may apply.
Last Updated02/11/2026
Student Checking
-
0.00%
Min Deposit$25
DetailsNo minimum balance requirement. No monthly maintenance fee. Other terms and conditions may apply.
Last Updated02/11/2026
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Republic Bank of Chicago is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Republic Bank of Chicago rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Republic Bank of Chicago's official website for the most current offers and terms.
Bank Profile & Overview
Republic Bank of Chicago
2221 Camden Ct Oak Brook, IL 60523 Dupage
Established Date: 12/01/1964
FDIC Certificate #: 19333
Date of FDIC Deposit Insurance: 12/01/1964
What is Republic Bank of Chicago's Cert number? 19333
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & Assets
Total Assets:
$2,788,935,000
Total Deposits:
$2,261,886,000
Equity Capital:
$298,051,000
Net Income:
$7,608,000
Return on Assets (ROA):
1.2376%
Return on Equity (ROE):
12.1000%
Headquarters:
Oak Brook
Regulator:
FDIC
# of Offices:
19
Source: FDIC | Last Updated 03/31/2024
Customer Reviews
There are no reviews for Republic Bank of Chicago yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Republic Bank of Chicago
How do I open an account at Republic Bank of Chicago?
You can typically open an account at Republic Bank of Chicago by visiting a local branch or applying through their official website.
Is there a first-time homebuyer program?
Currently, Republic Bank of Chicago provides a range of mortgage and home equity products.
Is Republic Bank of Chicago a safe place to deposit money?
Yes, Republic Bank of Chicago is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.
Does Republic Bank of Chicago offer online and mobile banking?
Most modern institutions like Republic Bank of Chicago provide digital access including online balance checks and transfers.
Brian McKay
