: First republic bank orinda
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Banking products and services are offered by First Republic Bank, Member FDIC and Equal Housing Lender Investment Advisory services are provided by First Republic Investment Management, Inc. Trust services are provided by First Republic Trust Company and First Republic Trust Company of Delaware LLC.
Orinda Branch of First Republic Bank in Orinda, CA
Routing Number for First Republic Bank in California A routing number is a 9 digit code for identifying a financial institute for the purpose of routing of checks (cheques), fund transfers, direct deposits, e-payments, online payments, etc. to the correct bank branch.
First Republic Bank Locations and Hours in Contra Costa County CA
First Republic Bank Orinda CA 224 Brookwood Road 94563 925-254-8993First Republic Bank Walnut Creek CA 1400 Civic Drive 94596 925-256-6857 First Republic Bank San Ramon CA 3130 Crow Canyon Place 94583
First Republic Bank - 15 Reviews - Banks & Credit Unions ...
Phone number (925)254-8993 Business website firstrepublic.com; Send to your Phone. ... Yelp users haven't asked any questions yet about First Republic Bank.
First Republic Bank - Orinda, California - Commercial Bank ...
First Republic Bank, Orinda, California. 1 like · 13 were here. Commercial Bank
First Republic Bank - Orinda Branch - Where's My Bank
The Orinda Branch location of First Republic Bank was established Sep 24, 1982 (36 years and 4 months ago). They are one of 73 branch locations operated by First Republic Bank. For ATM locations, drive-thru hours, deposit info, and more information consider visiting their online banking site at: www.firstrepublic.com
First Republic Bank 224 Brookwood Rd, Orinda, CA 94563 - YP.com
Get reviews, hours, directions, coupons and more for First Republic Bank at 224 Brookwood Rd, Orinda, CA. Search for other Commercial & Savings Banks in Orinda on YP.com. Start your search by typing in the business name below.
First Republic Bank, Orinda Branch - usbanklocations.com
First Republic Bank, Orinda Branch at 224 Brookwood Road, Orinda, CA 94563 has $384,676K deposit. Check 3 client reviews, rate this bank, find bank financial info, routing numbers ...
San Francisco-based First Republic Bank has filed for an initial public offering of its stock. The bank has branches in Danville, Orinda, Pleasanton, San Ramon and Walnut Creek. First Republic greatly expanded its branches in 2006 when it bought Bank of Walnut Creek. First Republic was sold to Merrill Lynch and then Bank of America. The bank regained its independence in June 2010 via a management-led buyout. The IPO filing didn’t disclose terms of the IPO. At the end of September, First Republic had deposits of $19 billion. During the third quarter of 2010, the bank earned $66.4 million, down 18 percent from the year-ago quarter. In 2009, First Republic earned $347 million on revenue of $1.33 billion.
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How to Refinance Student Loans Under 2% Through First Republic Bank
First Republic is not currently accepting applications for student loan refinancing.
Many student loan refinance companies have similar features. No origination fee, no prepayment penalty, and multiple term options are pretty much standard. In addition, most of the big names have similar starting fixed and variable interest rates.
As you probably know, getting even a 1% reduction on your student loan interest can result in substantial savings depending on the loan balance. Consider a pharmacist with $200,000 of student loans with a 7% interest rate with a plan to pay off the loan in 15 years. If the interest is reduced to 6%, there would be a savings of about $20,000. Not bad right?
But what if I told you that you there was a company that could bring your interest rate of 6-8% down to under 3% or even under 2%? Sounds scammy right? The truth is that it’s real, it’s legit, and I know this because I’ve done it. This company is First Republic.
First Republic Student Loan Refinance Program
This bank was founded in 1985 and offers general banking, wealth management, and other services but only in select cities in the U.S.
The First Republic Student Loan Refinance program is what makes them stand out given they offer extremely low-interest rates and the opportunity to receive money back in interest. Like other lenders, there is no origination fee or prepayment penalty and the interest you pay over the course of the loan is tax-deductible if you meet the IRS income qualifications.
What rates and terms do they offer?
They offer terms of 5, 7, 10, and 15 years all with fixed interest rates. Unlike other lenders that take all of your financial information and then use an algorithm to give you a personalized interest rate, their rates are all or nothing. You either qualify or you don’t. Here are their current rates:
Pretty amazing rates right? You know where you find rates like that? Nowhere! Now there are a couple stipulations to this. I mentioned that the rates are essentially all or nothing based on meeting their qualifications (explained later on) but there are some things you need in place in order to maintain those rates.
Relationship-Based Pricing Adjustments
The rates advertised are based on you following through as a customer and using their banking services. Maintaining the following is what discounts the rate to what is advertised:
1. 2.00% reduction for maintaining an ATM Rebate Checking account
2. 0.5% reduction for depositing and maintaining a deposit balance equal to the greater of 10% of the approved loan amount or $5,000 into the account.
3. 0.25% reduction for depositing and maintaining a deposit balance equal to the greater of 20% of the approved loan amount or $10,000 into the account.
Therefore you can’t lock in the advertised rates indefinitely and they could increase by the respective percentage if the stipulations are not maintained.
So if you refinance a student loan that’s $150,000, you would need to maintain $15,000 within the checking account to prevent a 0.5% increase and $30,000 to prevent a 0.75% increase (0.5% + 0.25%). Ouch right? That could be a large chunk of money you could be throwing at the debt, investing, etc. According to one of the reps, there are two points at which the bank looks for this: at day 90 post loan disbursement and day 365. However, even if you basically ignore this and at least maintain the checking account and your interest rate goes from 1.95% to 2.7% for the 5 first republic bank orinda, or 3.5% for the 7 year term, etc, those rates are still amazing compared to what’s currently out there.
If you close your checking account before you pay off the loan you will be hit with a 5% increase, so definitely want to keep the account active throughout the life of the loan!
Am I eligible to first republic bank orinda these awesome rates?
To qualify for First Republic’s program, you have to live within a 20 mile radius of a physical location. If this was a mega bank that’s on every corner, it wouldn’t be an issue. However, First Republic is only in 7 states and select cities making most ineligible. Bummer right? I was fortunate to live within the range of the Jupiter, Florida location. Here are the locations broken down by state and city:
First Republic Bank Locations Near Me
- Beverly Hills
- Corona Del Mar
- Del Mar
- San Jose
- Los Gatos
- La Jolla
- La Mesa
- Los Altos
- Los Angeles
- Manhattan Beach
- Menlo Park
- Mill Valley
- Mountain View
- Newport Beach
- Palm Desert
- Palo Alto
- Redwood City
- San Diego
- San Francisco
- San Mateo
- San Rafael
- San Ramon
- Santa Barbara
- Santa Monica
- Santa Rosa
- St. Helena
- Studio City
- Walnut Creek
- Palm Beach
- Palm Beach Gardens (Coming soon)
- Boca Raton (Coming soon)
Other Key Requirements
Besides meeting the location requirement, there are some other requirements you must meet shown below:
You may be looking at these and thinking “Whoa! That’s intense!” That’s exactly what was going through my mind. You can quickly look at these and come to the conclusion that they are not loaning money to just anyone. Having a loan balance in their range is not going to be a big deal but 15% in liquid savings and a debt-to-income (DTI) first republic bank orinda of 40% or less could be a barrier. If you are married, you can combine your finances to meet these requirements but that is going to require a co-signer. In general, that’s never a good idea but it is an option.
When they calculate your DTI, it’s based on the proposed monthly payment would be for the student loan (based on selected term and rate) along with your other monthly debt payments including mortgage (including property taxes and insurance). So if you wilson mortuary salem mo quite make the cut, you may have to pay down your student loans and other debt before you apply.
While they have these strict requirements in place, first republic bank orinda are flexible on some and if you meet most of them, they can make a case for you. One key point that is different for First Republic bank compared other refinance companies is that they only do hard credit pulls. Therefore, because you may take a grand savings bank online ding in your score, you should be pretty confident in your application prior to weather bangor pa hourly forward.
I can get money back in interest? Seriously?
It’s no secret that student loan refinance companies make money on the interest you pay them. But what if you could get some of that money back?
First Republic will actually give you back the interest you paid up to 2% of the original loan balance if there is no balance at 4 years or sooner. For example, if you refinance a $140,000 loan with a 5-year term with a 1.95% interest rate, you would pay a total of $5,644 in first republic bank orinda. Since 2% of $140,000 is $2,800 you would effectively only pay a total of $2,844 in interest. Obviously, if you have a really high debt load it may be pretty tough to knock out the loan in 4 years. Plus, with the really low interest rate, you may be inclined to invest more aggressively or fund other financial goals instead of making extra loan payments. Regardless, this is a cool feature that to my knowledge is not available with any other lender.
So what’s the catch?
You may be thinking: “If First Republic’s rates are so low, and they even offer money back in interest, how do they make money?”
I thought the same thing and asked that very question.
One of their goals is to acquire you as a lifelong customer and encourage you to use other services including mortgage lending and “wealth” management. Moreover, they are trying to reach a younger generation knowing that student loan debt is a big problem.
Once you meet all of the qualifications for the loan and are approved there’s one more thing you need to agree to. You must physically go to a First Republic location to set up a checking account through which your student loan payments will be automatically withdrawn. In addition, you must have to maintain an average balance of $3,500 per month in order to avoid a $25 monthly maintenance fee.
At first, I thought “Switching all my banking, really?” If you have been with the same bank or online platform for a first republic bank orinda it can be tough to make a switch especially if you have a lot of bills on auto payment and you like the service. But when you consider how much you can save over the course of your loans, it can be well worth the change.
Because of their limited locations, I thought it may be tough to get cash if needed or perform other banking activities that most large companies offer. However, you can actually use any ATM in the country (or even the world) and they will reimburse you at the end of the month any access or processing fee that is incurred. Also, their mobile app and online platform allow you to deposit checks if needed, transfer funds between accounts, and pay bills. It also syncs with Mint and some of the other budgeting apps. So I didn’t really lose any of the conveniences of online and mobile banking once I made the switch. I will say that using First Republic for banking over the past couple of months has been great. I have been very impressed with their service, ease of using an online platform, and the personalized touch that they offer.
Plus as a new customer, they send you some nice gifts 🙂
There’s no other contract or commitment to use First Republic once your loan is paid in full. If you want to switch back to your old bank or a new one it’s your call.
Be aware of Florida Stamp Tax
There’s one other thing you want to prepare for if you are a Floridian. I mentioned that there is no origination fee to make the refinance happen. This would be true for any of the states where First Republic is located except for Florida. While it’s nice there is no state income tax, they have something called the Stamp Documentary Tax. This tax applies to a lot of different documents such as mortgages, bonds, and liens, but also counts student loan refinancing. Currently, it is $0.35 for every $100 paid. So on a $100,000 loan, it would be $350. Bummer I know! I had to do this and it caught me off guard. However, when you look at the savings in interest you will get with first republic bank orinda ridiculously low interest rate, this amount is really negligible.
What does the program not offer?
If you have federal loans and are refinancing to First Republic, you will lose some of the protections. These include any forgiveness options, forbearance periods, or income-driven repayment plans. However, you may be able to extend the term if needed.
First Republic Bank will not forgive the loan if you die or become disabled with a balance remaining so make sure you have adequate coverage through your employer or privately. If you want to shop multiple companies to find the lowest cost and best value check out Policygenius.
How to get $300 Cash Bonus on top of all the other benefits
If you refinance through this unique link, you can a $300 cash bonus. You can also email Andrew Gerber at [email protected]and he will make sure that you get the cash. Just say that Tim Church from Your Financial Pharmacist referred you.
Conclusion: First Republic Bank Student Loan Refinance Program
The First Republic Bank Student Loan Refinance Program is an awesome way to get extremely low-interest rates which can result in significant savings over the course of the loan. Plus, the opportunity to get paid back some of the interest paid and the ability to use any ATM with reimbursement of all fees are a few other great benefits.
Current Student Loan Refinance Offers
The "kayak" of student loan refinancing, Credible compares rates from 10 lenders (including Sofi).
Uses credit unions and local banks to find competitive rates
*In the Form
ELFI offers student loan refinancing with flexible terms and award-winning customer service
Splash is a marketplace with loans available from an exclusive network of credit unions and banks as well as U-FI, Laurel Road, and PenFed.
The education of a child in need is funded for every loan
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