Business CDARS® CD

Extra FDIC protection for your cash reserves

Key features

Access to FDIC insurance coverage on millions in deposits^x
No setup charges
15-day maturity notice
Multiple bank coverage with EverBank
$10,000 to open

Feel confident with expanded financial security

Every situation is different, and when you need expanded FDIC insurance coverage, we’re pleased to offer a solution as an Intrafi Network member. That solution is the Business CDARS CD account^x which has the potential to provide you access to FDIC insurance coverage on up to $50 million in deposits.^x Through the IntraFi Network, the funds you submit for placement in a CDARS CD with us are divided into amounts under the standard FDIC insurance maximum of $250K and placed into CDs at other banks in the network.^x The benefits for you include broader financial security and the added convenience of working with just one bank while still accessing coverage through multiple institutions.

1.866.371.3831, opt 3

Rates and funding limits

Term	Funding Limit*	APY^x
3 month	$12M	2.20%
6 month	$12M	3.75%
1 year	$12M	3.66%
2 year	$1M	1.95%
3 year	$0.5M	2.15%

*Funding limits above are per depositor, per term, per week, with an overall CDARS CD funding limit of $50M.^x

More information

Order deadline

New orders must be completed by the CDARS CD order date, typically Wednesday by 11 a.m. (ET).

Funding deadlines

Keep in mind that CDARS CDs do not fund immediately.^x Take note of the following funding methods and deadlines for getting your funds to us for placement into a Business CDARS CD.

Checks — Friday prior to CDARS CD order date, 5 p.m. (ET)

Internal account transfers or wire transfers — Noon on the CDARS CD order date

Renewal requests

Already have a Business CDARS CD account? Keep in mind that CDARS CDs do not rollover automatically. Here’s when and how to place a reinvestment request:

Maturity notice — Maturity notices will be sent 15 days prior to the CDARS CD maturity date.

Reinvestment requests — Importantly, all reinvestment requests must be received by 9 p.m. (ET) on the Tuesday prior to your maturity date. Requests may be sent to us by any of the methods noted below. Upon receiving your request, we’ll be in touch if additional information is required.

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