Banks and other financial institutions like the service because it can help them to enhance profitability and manage their liquidity positions. Over 2000 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 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^SM transactions")

• Compare returns to Treasuries and Agencies
• Access up to $50 million 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 alternative funding source
• Enjoy the ease - no credit lines needed, no collateralization required
• Receive funds quickly - 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.