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CDARS offers multiple benefits to depositors who want to combine  the security of access to FDIC Insurance with the convenience of working directly with just one bank.

  • Peace of Mind
    Using the CDARS service, you can access multi-million-dollar FDIC insurance on CD investments
  • One Relationship
    You work directly with a local CDARS Network member – a financial institution you know and trust
  • One Rate
    You negotiate one interest rate per maturity on CD investments placed though CDARS. There is no need to negotiate multiple rates per maturity or tally disbursements manually for each CD.
  • One Statement
    There is no need to manually consolidate statements. You receive one easy-to-read statement detailing all of your CD holdings.
  • No Hidden Fees
    You will not be charged annual fees, subscription fees, or transaction fees for using CDARS. The rate you see is the rate you get.
  • No Ongoing Collateralization
    Because CDARS deposits are eligible for FDIC protection, you may not need to collateralize your deposits. This can eliminate the time-consuming task of tracking changing collateral values on recurring basis.
  • A Wide Variety of Maturities
    You can select from various maturities – ranging from 4 weeks to 260 weeks (5 years) – and choose the terms that best suit your investment needs

*Early withdrawal penalties apply on both CDs and IRAs.