What are the current interest rates at Republic Bank & Trust Company?

Current rates for Republic Bank & Trust Company include: 12-Month CD: 1.25%, 18-Month CD: 3.25%, 24-Month CD: 4.00%, 36-Month CD: 4.15%, 48-Month CD: 4.15%, 60-Month CD: 4.25%, Savings: 0.10%, MMA: 1.50%

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Republic Bank & Trust Company Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Republic Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Republic Bank & Trust Company's top rates as of October 11, 2026 are 4.25% APY on its 60-Month CD, 0.10% APY on savings, and 1.50% APY on money market accounts, according to rates verified by MonitorBankRates. Other Republic Bank & Trust Company CD rates include 60-Month Certificate of Deposit at 4.25%, 60-Month IRA at 4.25%, and IRA - Individual Retirement Accounts 60-Month at 4.25%. MonitorBankRates evaluates the financial stability of Republic Bank & Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.91%. Rates last updated and verified on 10/11/2026.

Republic Bank & Trust Company 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 & Trust Company? Share your experience about Republic Bank & Trust Company by leaving a review below, or read customer reviews before you decide to use Republic Bank & Trust Company.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.91%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Republic Bank & Trust Company

601 W Market St
Louisville, KY 40202

https://www.republicbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Republic Bank & Trust Company CD Rates

Product	Rate	APY	Term
60 Month CD	4.16%	4.25%	60 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
60 Month Certificate of Deposit	-	4.25%	60 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
60-Month IRA	-	4.25%	60-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month	-	4.25%	60-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 7, 20264.25%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
36 Month CD	4.07%	4.15%	36 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
36 Month Certificate of Deposit	-	4.15%	36 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
36-Month IRA	-	4.15%	36-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
48 Month CD	4.07%	4.15%	48 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
48 Month Certificate of Deposit	-	4.15%	48 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
48-Month IRA	-	4.15%	48-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month	-	4.15%	36-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 7, 20264.15%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month	-	4.15%	48-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 7, 20264.15%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
11 Month CD	3.92%	4.00%	11 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
11 Month Certificate of Deposit	-	4.00%	11 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
11-Month IRA	-	4.00%	11-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
24 Month CD	3.92%	4.00%	24 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
24 Month Certificate of Deposit	-	4.00%	24 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
24-Month IRA	-	4.00%	24-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
6 Month CD	3.92%	4.00%	6 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
6 Month Certificate of Deposit	-	4.00%	6 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
6-Month IRA	-	4.00%	6-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 11-Month	-	4.00%	11-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 24-Month	-	4.00%	24-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 7, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month	-	4.00%	6-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 7, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
18 Month CD	3.20%	3.25%	18 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
18 Month Certificate of Deposit	-	3.25%	18 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
18-Month IRA	-	3.25%	18-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 18-Month	-	3.25%	18-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 3.25% ▲ 0.60 pts · high 3.25% / low 2.65% Oct 7, 20263.25%▲ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
12 Month CD	3.05%	3.10%	12 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
12 Month Certificate of Deposit	-	3.10%	12 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
15 Month CD	2.96%	3.00%	15 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
15 Month Certificate of Deposit	-	3.00%	15 Month
Min Deposit $1,000 Details Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
15-Month IRA	-	3.00%	15-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 15-Month	-	3.00%	15-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
12-Month IRA	-	1.25%	12-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 12-Month	-	1.25%	12-Month
Min Deposit $1,000 Details Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%

Republic Bank & Trust Company Savings Rates

Product	Rate	APY
Advantage Savings	-	0.10%
Min Deposit $5,000 Min Balance $0 Details Balances Through $4,999.99; An interest-bearing savings account with unlimited deposits. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Advantage Savings	-	0.10%
Min Deposit $5,000 Min Balance $25,000 Details $25,000.00 - $99,999.99; An interest-bearing savings account with unlimited deposits. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Advantage Savings	-	0.10%
Min Deposit $5,000 Min Balance $100,000 Details $100,000.00 - $499,999.99; An interest-bearing savings account with unlimited deposits. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Advantage Savings	-	0.10%
Min Deposit $5,000 Min Balance $500,000 Details Balances Over $499,999.99; An interest-bearing savings account with unlimited deposits. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Advantage Savings	-	0.10%
Min Deposit $5,000 Min Balance $500,000 Details Balance: Balances Over $499,999.99 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Easy Savings	-	0.05%
Min Deposit $10 Min Balance $0 Details Balances through $99.99; A variable rate, interest-bearing savings account with a low minimum balance required. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Easy Savings	-	0.05%
Min Deposit $10 Min Balance $100 Details $100.00 - $49,999.99; A variable rate, interest-bearing savings account with a low minimum balance required. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Easy Savings	-	0.05%
Min Deposit $10 Min Balance $50,000 Details Balances Over $49,999.99; A variable rate, interest-bearing savings account with a low minimum balance required. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Easy Savings	-	0.05%
Min Deposit $10 Min Balance $100 Details Balance: Balances Over $99.99 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%

Republic Bank & Trust Company Money Market Rates

Product	Rate	APY
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $0 Details Balances Through $24,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $25,000 Details $25,000.00 - $249,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $250,000 Details $250,000.00 - $749,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $750,000 Details Balances over $749,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $10,000 Details $10,000.00 - $24,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $50,000 Details $50,000.00 - $99,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $100,000 Details $100,000.00 - $249,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $1,000,000 Details Balances over $999,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Money Market Account	-	0.05%
Min Deposit $300 Min Balance $1,000,000 Details Balance: Balances over $999,999.99 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%

Republic Bank & Trust Company Business Money Market Rates

Product	Rate	APY
Commercial Money Market Max	-	1.50%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 +; A tiered rate account with unlimited deposits and limited withdrawals. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Commercial Money Market Max	-	0.80%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $999,999.99; A tiered rate account with unlimited deposits and limited withdrawals. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Commercial Money Market Max	-	0.50%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Business Money Market Account	-	0.45%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 and over; A tiered rate account with unlimited deposits and limited withdrawals. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Business Money Market Account	-	0.40%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $499,999.99; A tiered rate account with unlimited deposits and limited withdrawals. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Business Money Market Account	-	0.35%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%
Commercial Money Market Max	-	0.25%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $49,999.99; A tiered rate account with unlimited deposits and limited withdrawals. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.91%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Republic Bank & Trust Company’s Texas Ratio rose from 2.40% in Q3 2023 to 2.91% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$7.1B	2.91%	5.0	A+
March 31, 2026	$7.2B	3.07%	5.0	A+
December 31, 2025	$7.0B	2.87%	5.0	A+
September 30, 2025	$7.0B	2.25%	5.0	A+
June 30, 2025	$7.0B	2.27%	5.0	A+
March 31, 2025	$7.1B	2.46%	5.0	A+
December 31, 2024	$6.8B	2.55%	5.0	A+
September 30, 2024	$6.7B	2.23%	5.0	A+
June 30, 2024	$6.6B	2.39%	5.0	A+
March 31, 2024	$6.9B	2.55%	5.0	A+
December 31, 2023	$6.6B	2.51%	5.0	A+
September 30, 2023	$6.4B	2.40%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Republic Bank & Trust Company 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 & Trust Company 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 & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name RBMAX

Bank Holding Company REPUBLIC BCORP INC

Address 601 W Market St, Louisville, KY 40202 · Jefferson

Website https://www.republicbank.com

FDIC Certificate # 23627

Established 19820111

FDIC Insurance Date 19820111

Domestic Offices 48

Total Branches 48

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.91%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.1315%

Return on Equity (ROE) 14.2600%

Non-Performing Loans (NPL) 0.44%

Total Assets $7,054,835,000

Total Deposits $5,625,375,000

Equity Capital $1,086,863,000

Net Income $75,816,000

Headquarters Louisville

Total Branches and Offices 48

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Republic Bank & Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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Frequently Asked Questions About Republic Bank & Trust Company

How many branches does Republic Bank & Trust Company operate?

Republic Bank & Trust Company currently maintains approximately 48 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Republic Bank & Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Republic Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Republic Bank & Trust Company offer online and mobile banking?

Most modern institutions like Republic Bank & Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.republicbank.com.