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CDARS is the Certificate of Deposit Account Registry Service.  It is the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger than $250,000.00

Why is that?

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 the amounts under $250,000.00 so that your entire investment is eligible for FDIC insurance.  By working with just one bank- our bank- you can receive insurance from 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.