Certificate of Deposit Account Registry Service®

Don’t sacrifice safety for returns.
Whether you have inheritance, retirement payout or savings accounts to consolidate, access FDIC insurance coverage through Certificate of Deposit Account Registry Service® (CDARS).

Explore the benefits of a CDARS account.

Single Bank Relationship

Eliminate the time-consuming task of managing multiple CD accounts across many banks. Deposit all of your funds with Apple Bank and receive one monthly statement detailing all of your CD accounts.

Competitive Rates

Choose from an array of CD terms between 4 weeks and 3 years with competitive, fixed rates — providing you with security and predictability on your returns.

Peace of Mind

Rest easy knowing your hard-earned savings has access to millions of dollars in aggregate FDIC insurance protection across network banks. Through economic ups and downs, no depositor has ever lost their funds placed in CDARS.

See Terms and Conditions.

How CDARS works:

  • CDARS is a service from IntraFi®, a leading provider of deposit insurance services. Financial institutions nationwide work with IntraFi to help depositors secure and grow their funds. See Terms and Conditions. 
  • CDARS enables you to access multi-million dollars in aggregate FDIC insurance protection across network banks for your large savings deposits through a single banking relationship with Apple Bank.
  • Your funds are placed into CD accounts at other FDIC-insured institutions in amounts under $250,000 with one rate per maturity. 
  • There is no need to maintain different titles or beneficiaries. The titling of your accounts is standardized across financial institutions.
  • $100,000 minimum balance required to open an account.

Visit your nearest branch to learn if CDARS is right for you.

Have questions? We're here to help.

An Apple banker at your local branch is ready to assist you.

Or call: 914-902-2775  |  TDD: 800-824-0710

A list identifying IntraFi network banks can be found at www.IntraFi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. To meet these conditions, deposit accounts are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage.

Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi; the IntraFi logo; CDARS; and One Bank, One Rate, One Statement are registered trademarks of IntraFi LLC.