First Republic Bank 3.5% APY 3 Year CD

First Republic Bank is offering a 3.5% APY 3 year CD with a minimum deposit of $5,000. You must live in California, Connecticut, Massachusetts, Nevada or New York in order to open an account however. To find the branch nearest you visit this link. The early withdrawal penalty on the certificate of deposit is 6 months’ interest.

First Republic is also offering APY rates of 4% for 5 years, 3.75% for 4 years, 3.25% for 2 years, and 2.25% for 5 months. These rates are also available as some of the best IRA CD rates. First Republic is a FDIC insured bank. Jumbo CD interest rates are typically higher than regular CDs.