IntraFi

Enjoy safety in large numbers with IntraFi – one local bank relationship, millions in FDIC insurance.

Peace of mind

With CDARS, you can access millions in FDIC insurance - all through a single bank relationship with us, a bank you know and trust. No one has ever lost a penny of an FDIC-insured deposit.

Earn interest

Funds placed through CDARS may earn returns that compare favorably to Treasuries and government money market mutual funds and avoid the risks associated with prime money market mutual funds.

Time savings and ease

Work directly with us and say goodbye to managing multiple bank relationships, tracking collateral, or having uninsured deposits to footnote in financial statements.

Transparency

Stay confidently in control with 24/7 online access to statements that show balances, interest, and other important details associated with your CD deposit accounts.

Support for the local economy

When you make a large deposit with us, you’ll enjoy peace of mind knowing that your money can be used to fund lending in the community that may, for example help small businesses to support job or inventory growth, nonprofits to further their missions, and individuals to finance higher education.¹

A smart choice

CDARS is brought to you by IntraFi, the largest provider of FDIC-insured deposit services, combining the institutional strength of Wall Street with the community presence of Main Street. With IntraFi's services, you can enjoy the largest per-depositor FDIC eligibility available through a single financial relationship.

See an example of IntraFi at work for you...

With IntraFi, you have access to monthly ICS and CDARs statements. See a sample statement, below:

CDARS Monthly Statement

¹A smart choice CDARS is brought to you by IntraFi, the largest provider of FDIC-insured deposit services, combining the institutional strength of Wall Street with the community presence of Main Street. With IntraFi's services, you can enjoy the largest per-depositor FDIC eligibility available through a single financial relationship.

When others count on you for safety, yeild, flexibility, and transparency, you can count on IntraFi Cash Service^sm, or ICS.

Peace of mind

With ICS, you can access millions of dollars in FDIC insurance-all through a single bank relationship with us, a bank you know and trust. Protection against market loss and money market mutual fund restrictions Funds placed using ICS are not subject to floating net asset values, liquidity fees, or money market mutual fund liquidity gates, so you can rest assured knowing that market volatility will not negatively affect account value. No one has ever lost a penny of an FDIC-insured deposit.

Earn interest at a rate set by us

Put cash balances to work in demand deposit accounts and money market deposit accounts. Liquidity Enjoy access to funds. Time savings and ease Work directly with us and say goodbye to managing multiple bank relationships, tracking collateral, or having uninsured deposits to footnote in financial statements.

Transparency

Stay confidently in control with statements that show balances, transactions, interest, and other important details associated with your deposit accounts. Enjoy 24/7 online access to account information.

Support for the local economy

When you make a large deposit with us, you can feel good knowing that your funds can be used to fund lending in the community that may, for example, help small businesses to support job or inventory growth, nonprofits to further their missions, and individuals to finance higher education.¹

A smart choice

ICS is the nation’s most widely used FDIC-insured deposit product, combining the institutional strength of Wall Street with the community presence of Main Street. With ICS, you can enjoy the largest per-depositor FDIC eligibility available through a single financial relationship.

See an example of IntraFi at work for you...

With IntraFi, you have access to monthly ICS and CDARs statements. See a sample statement below:

ICS Monthly Statement

¹When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS, our bank can use the full amount of a deposit placed through ICS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank 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. Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.

Insure millions with IntraFi in just a few easy steps:

1. You sign a CDARS Deposit Placement Agreement and a custodial agreement, and then invest money with us.
2. Your funds are placed into a CDs using the CDARS service.
3. Your CDs are issued by other IntraFi network banks.
4. You receive confirmation of your CDs from our bank.
5. You receive interest payments and statements from us.

Call us today! Let's discuss how IntraFi can work for you!