Skip Navigation

A metal safe graphic with a green overlay of money



Why IntraFi® Network DepositsSM

IntraFi Network Deposits, formerly named 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 and the ability to earn interest.

Icon of a dove flying representing the peace of mind customers enjoy when they use the service.

Peace of mind.

Rest assured your deposits placed through IntraFi Network Deposits are eligible for multi-million-dollar FDIC insurance and aren't subject to floating net asset values that can lead to loss of principal and erase returns during a down market or period of high market volatility.

Icon representing a customer's relationship with a bank. It is a bank building, with 3 columns.

One relationship.

Banks that offer IntraFi Network Deposits are members of a special network. You work directly with a local network member – a financial institution you know and trust. Get personalized, high-touch service from a local bank and forgo the need to manage multiple bank relationships.

Icon representing one rate. It is a stack of three bills on top of each other.

One rate.

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

Icon representing one bank statement. A hand holding a phone with a dollar sign on the screen.

One statement.

You receive one easy-to-read statement detailing all of your CD holdings. You can know where your funds are at all times, and there is no longer a need to manually consolidate statements.

Image of clock representing time savings from no ongoing collateralization.

No ongoing collateralization.

Because deposits placed through IntraFi Network 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.

Logo with a padlock with varying bubbles of different sizes with dollar signs inside, intended to represent a wide variety of maturities.

A wide variety of maturities.

You can select from various maturities, ranging from 4 weeks to 3 years, and choose the terms that best suit your investment needs.

Icon of three connected bubbles with line drawn people inside.

Community investment.

Your funds can support lending initiatives that strengthen your local community.1 Alternatively, funds may be directed to support lending via minority-owned banks or Community Development Financial Institutions in economically distressed areas.



IntraFi Network Deposits is a smart, convenient way to safeguard your large deposits. It’s a great solution for many businesses, nonprofits, governmental organizations (e.g., cities, and counties, public schools, police and fire districts), as well as fiduciaries, advisors, socially responsible investors, and individuals. Learn How IntraFi Network Deposits Works and visit the customer Testimonials and Case Studies for real-life examples of IntraFi Network Deposits in action.

[1] When deposited funds are exchanged on a dollar-for-dollar basis with other banks in IntraFi's network of financial institutions, your bank can use the full amount of a deposit placed through IntraFi Network Deposits 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.

View Mobile Site