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CDARS® for Depositors

As a depositor, you can

  • access multi-million-dollar FDIC insurance (limits apply) on CD investments by working directly with just one financial institution that is a member of the CDARS Network;
  • earn one interest rate per maturity on CD investments; there is no need to negotiate multiple rates per maturity or manually tally disbursements for each CD;
  • earn rates that, historically, have compared favorably to US Treasuries;
  • receive one regular statement detailing your CD investments; you don’t have to manually consolidate statements;
  • benefit from daily compounding of interest;
  • eliminate the time-consuming task of tracking changing collateral values on a recurring basis;
  • select from a variety of maturities ranging from 4 weeks to 260 weeks (5 years) – and choose the terms that best suit your investment needs;
  • be assured that you will pay no hidden fees of any kind; you will not be charged annual fees, subscription fees, or transaction fees; and
  • potentially support lending initiatives, including special development projects that strengthen your local communities.

Read testimonials and case studies to learn more about how customers are successfully using CDARS.

For more information, visit cdars.com.