Protect Your Large Deposits
Keep Large Deposits Insured with CDARS®
Get multi-million dollar FDIC protection for your business’s large deposits with CDARS at Independent Bank.

Why Choose CDARS to Protect Your Savings Deposits?
Increased Security
Access FDIC protection on large deposits through multiple banks, all while working with Independent Bank.
Simplified Experience
Earn one interest rate, receive one statement, and one tax form.
Community Investment
Your funds remain local, supporting lending opportunities in your community.
CD-Level Returns
Enjoy competitive CD-level interest rates on your large deposits.

Find a Treasury Representative
Let our team of experts help you find the right solutions to support your business growth and financial goals.
CDARS FAQs
Answers to Common Questions About CDARS
How does CDARS protect large deposits with FDIC insurance?
CDARS breaks down large deposits into smaller increments and distributes them across multiple banks within its network, ensuring full FDIC insurance coverage for both principal and interest.
Do I need to manage relationships with multiple banks to use CDARS?
No. With CDARS, you only work with Independent Bank while still accessing FDIC insurance through partner banks in the network.
Can I choose the maturity dates for my CDARS deposits?
Yes, you can select the maturity dates that align with your business’s needs, just like any other certificate of deposit.
Is there a minimum deposit requirement to use CDARS?
Yes, CDARS is designed for large deposits. Contact our team for more details on the minimum requirements.
Explore Other Savings Options
Business Money Market
Earn competitive interest while keeping your funds easily accessible.
Eagle Advantage Money Market
Maximize your business savings with higher rates and flexible access.
Business CDs
Lock in competitive rates and grow your savings with a secure Business CD.
ICS®
Access FDIC protection across multiple banks while managing funds easily.