CDARS® offers access to multi-million-dollar FDIC insurance on your large deposits. 
FDIC Insurance... Using the CDARS service, you can access multi-million dollar FDIC protection on your CD investments. [1] 
One Bank… You work directly with us, your island bank, and a local CDARS Network member, to secure large deposits (minimum deposit: $10,000). 
One Rate… You earn one interest rate per maturity on your CD investments placed with us through CDARS. There is no need to negotiate multiple rates or manually tally disbursements for each CD. 
One Statement... You receive one regular statement detailing all of your CD investments. You no longer need to consolidate statements at the end of each month, quarter, or year. 
No Hidden Fees... There are no hidden fees of any kind. You will not be charged annual fees, subscription fees or transaction fees for using CDARS. The rate you see is the rate you earn. 
A Wide Variety of Maturities… You can select from various maturities ranging from 4 weeks to 5 years (260 weeks) and choose the terms that best suit your investment needs. 
Community Involvement… The full amount of your deposit supports our lending initiatives and benefit our island community and economy. [2] 
Learn More About CDARS… Click on this link to watch a short video about How CDARS Works. 
[1] Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. 
[2] When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the network, the bank through which a depositor places his/her funds 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 bank may choose to receive fee income instead of deposits from other banks. 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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