CDARS - Personal

Smart Investing
Enjoy Millions in FDIC Insurance

Through the CDARS® service, we can provide you with easy access to multi-million dollar FDIC protection on your CD investments.

*To learn more, call us at (701) 250-3000 or 1-800-BNC-BANK (800-262-2265).  Sign up today and enjoy the peace of mind associated with multi-million dollars in FDIC insurance coverage, along with the time-saving conveniences and other advantages of the CDARS service.

 Annual Percentage Yields (APY) reflected in this chart.

CDARS Balance 4 week 13 week 26 week 52 week 2 year 3 year
$10,000 + 0.35% 0.40% 0.70% 0.85% 1.50% 2.00%

 APY is accurate as of  06/15/2018. Penalty for early withdrawal.


For CD specials or other yields, visit local branch, fill out a contact us form and banking representative will contact you, or call us at 1-800-BNC-BANK (1-800-262-2265).

How does CDARS work?
We are part of a special network.  When you place a large amount with us, we place your funds into CDs issued by other banks in the network – in increments of less than $250,000 – 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. 

With CDARS, you get:
Full Insurance.  Using the CDARS service, you can access millions of dollars in FDIC protection on CD investments. One Bank.  You work with us – the bank you know and trust – to secure large deposits (from $10,000 to $50,000,000).  

One Rate.  You earn one interest rate on your CD investments 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 Fees.  There are no hidden fees of any kind.  We do not charge annual fees, subscriptions fees, or transaction fees for using the CDARS service; 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, thus eliminating the time-consuming task of tracking collateral values.  

A Wide Variety of Maturities.  You can select from various maturities – ranging from 4 weeks to 5 years (260 weeks) – and choose the terms that best suit your investment needs.  You also can ladder your CDs or combine maturities to effectively create a customized term.

You must enter into a Deposit Placement Agreement, which contains important information and conditions regarding the placement of funds by us through CDARS. Please read the agreement carefully.

© 2003 Promontory Interfinancial Network, LLC. CDARS is a service mark of Promontory Interfinancial Network, LLC, which is not insured by the FDIC.

Note for Network Members: Investment restrictions imposed by statutes, regulations or policies may limit the authority of public funds managers to invest through CDARS. Public fund managers in the following states, among others, may be eligible to invest through CDARS: AK, CO, CT, GA, HI, IL, KS, KY, ME, MN, MO, NE, NH, NV, OK, PA, SC, SD, TN and VT.  Even in these states, the public funds manager must check applicable restrictions to ensure that deposits are eligible for placement using CDARS.

For more information on this or other products and services Contact Us.

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