CDARS® is the Certificate of Deposit Account Registry Service®.  It is the easiest, most convenient way to enjoy access to full FDIC insurance on deposit amounts up to $50 Million.

One Bank

Everything is handled through our bank.  Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network.  Then, those member banks issue CDs in amounts under the standard FDIC insurance maximum, so that your entire investment is eligible for FDIC insurance.  By working with just one bank, our bank, you can receive insurance through many.

One Rate

You earn one rate on your entire investment, so you can forget about multiple rate negotiations and the need to consolidate multiple disbursement checks.

One Statement

You receive one regular account statement listing all of your CDs, along with their issuing banks, maturity dates, interest earned, and other details.  With CDARS®, there is no need to manually consolidate statements, track changing collateral values, or use private surety bonds.

It's that simple.