Banks and other financial institutions like the service because it can help them to enhance profitability and manage their liquidity positions. Nearly 3,000 members use CDARS^® to:

Retain & Increase Deposits
(CDARS^® Reciprocal^SM transactions)

• Encourage safety-conscious customers to consolidate their investments with you by providing access to up to $50 million or more in FDIC insurance. See how your customers benefit.
• Eliminate collateralization - reduce tracking burdens and free up assets for more productive uses
• Enhance competitiveness of CD offerings without raising rates across the board

Sell "Excess" Deposits
(CDARS^® One-Way Sell^SM transactions)

• Earn non-interest income
• Gain pricing leverage
• Build a pipeline of customers without keeping deposits on your balance sheet

Make Portfolio Investments/Invest for Your Own Account
(CDARS One-Way Sell transactions)

• Compare returns to Treasuries and Agencies
• Access up to $50 million or more in FDIC insurance
• Receive one rate (per maturity) and one regular statement

Obtain Funding
(CDARS^® One-Way Buy^SM transactions)

• Tap into a cost-effective funding source
• No collateralization required
• Bid Wednesday, receive funds the next business day

Visit our Quotes and Video Testimonial pages to hear what bank executives are saying about these options - or visit the Newsroom and read about CDARS in publications ranging from the Wall Street Journal to Money magazine.