CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way for organizations and individuals to enjoy access to full FDIC insurance on deposits up to $50 million or more. With CDARS, you sign one agreement with a participating financial institution of your choice, earn one interest rate per maturity, and receive one regular statement. It's that easy!

CDARS^® offers multiple benefits to investors who want to combine the security of access to FDIC insurance with the convenience of working with just one financial institution.

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

One Relationship. You work with us—SharePlus, the bank you know and trust—to secure large deposits (from $10,000 to $50million).

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

One Statement. You receive one regular statement detailing 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 get.

No Collateralization. Because CDARS deposits are eligible for full 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.

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.

To find out more about CDARS visit www.cdars.com or call one of our Customer Service Representatives at 1-800-352-8257!

1. Funds may be submitted for placement only after a depositor enters into CDARS® Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS® and Certificate of Deposit Account Registry Service are service marks of Promontory Interfinancial Network, LLC.

2. Consult with your account manager or one of our customer service representatives regarding rates.

3. If you are subject to restrictions with respect to the placement of funds in depository institutions, it is your responsibility to determine whether the placement of your funds through CDARS® satisfies those restrictions.

4. Please consult with your auditor to determine how CDs should be reported.