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Personal Banking



Certificates of Deposit

Cardinal Certificates of Deposit (CD) offer highly competitive market rates with a variety of terms and maturities.

  • Cardinal CDs have the security of FDIC insurance
  • Preferred rates for CDs when you also have a President's Club or Chairman’s Club account
  • Access to your account information through our Free Online Banking
  • Automatic renewal


With CDARS1, you can receive FDIC protection up to $50 million. CDARS can be a valuable cash management or longer-term investment tool for you.2 It's a great solution for individuals, businesses, trustees, non-profit organizations, CPAs, financial planners and lawyers.

Learn more about CDARS with the FAQs below or visit the CDARS site.


Questions And Answers


It’s one-stop shopping. With help from CDARS, you can access:

  • Safety – Your money can access multi-million dollar FDIC insurance coverage.
  • Convenience – You work directly with us. You earn one interest rate and receive one regular statement, and one year-end tax form.
  • Community Investment – The full value of your money can support lending opportunities in your local community.3
  • CD-Level Rates – Your money earns CD-level returns which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts, and money market funds.

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How does CDARS work?

We are a member of a special network. When you place a large amount with us, we place your funds into CDs issued by other banks in the same network – in increments of less than the standard FDIC insurance maximum4 – so that both principal and interest are eligible for complete FDIC protection. As a result, you can receive coverage from many banks while working with just one.

These exchanges, which occur on a dollar-for-dollar basis, can bring the full amount of your original deposit back to our bank. As a result, we can make the full amount of your deposit available for community lending purposes.3

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What else should I know?

Now, you no longer have to spend time managing multiple bank relationships, administering various interest rates, organizing interest disbursements from various sources, or manually consolidating monthly statements. This reduces your administrative burden, especially during tax and financial reporting seasons. And with CDARS, you can eliminate the need to monitor changing collateral values – another time saving convenience.

Of course, your confidential account information remains protected. Ask us about how CDARS can work for you the next time you visit one of our branches, or email us for more information.

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Can't find what you are looking for?

1 CDARS is a registered service mark of Promontory Interfinancial Network, LLC.
2 Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with Cardinal Bank. The agreement contains important information and conditions regarding the placement of funds by us.
3 This benefit applies to some, but not all types of CDARS transactions. Let us know if this benefit is important to you, so that we can explain the relevant terms and conditions in more detail.
4 On July 21, 2010, the FDIC deposit insurance was permanently increased from $100,000 to $250,000 per depositor, per insured depository institution.