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Silver Safe made out of the letters C D A R S, with a gold seal that says access to multi-million dollar FDIC Insurance, CDARS Network Member.


CDARS® offers multiple benefits to depositors who want to combine the security of access to FDIC insurance above $250,000 with the convenience of working directly with just one financial institution.

Icon of blue circle with a white padlock inside representing the peace of mind customers enjoy when they use the CDARS service.

Peace of Mind

Using the CDARS service, you can access multi-million-dollar FDIC insurance on CD investments.1

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One Relationship

You work directly with a local CDARS Network member – a financial institution you know and trust.

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One Rate

You negotiate one interest rate per maturity on CD investments placed through CDARS. There is no need to negotiate multiple rates per maturity or tally disbursements manually for each CD.

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One Statement

There is no need to manually consolidate statements. You receive one easy-to-read statement detailing all of your CD holdings.

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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.

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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 a recurring basis.2

Logo with an image of a bar chart with 3 bars increasing in size, intended to represent a wide variety of maturities.

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.

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Community Investment

Your funds can support lending initiatives that strengthen your local community.3 See CDARS for Socially Responsible Investors, or view a short video about one local bank's impact on the community thanks to CDARS. 

[1] Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with a CDARS participating institution. This agreement contains important information and conditions regarding the placement of funds.

[2] If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor's funds through CDARS, or a particular CDARS transaction, satisfies those restrictions.

[3] When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the CDARS Network, the relationship institution can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors' local investment goals or mandates. Alternatively, with a depositor's consent, the relationship institution may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.

CDARS is a registered service mark of Promontory Interfinancial Network, LLC

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