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Personal Banking \ Certificates of Deposit


Certificate of Deposit Account Registry Service

Click to watch a video explaining CDARS!

Smart Choice:

When you want the peace of mind that comes from knowing all your deposits are protected by FDIC insurance

CDARS is an excellent investment for businesses, non-profit organizations, public funds managers, trustees, financial advisors, credit unions, IRA owners and individuals.


You no longer have to spend time managing multiple bank relationships, administering various rates, interest payments, or manually consolidating statements.  We do it all for you with

                          One Rate ~  One Statement ~ One Bank

Interest: Rates are competitive with other Certificate of Deposit rates

Other things to know:

We are members of the CDARS network.  When you place a large amount with us, we place your funds into CD's issued by other banks in the network - in increments of less than $250,000 - so that both principal and interest are always eligible for complete FDIC protection.

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

For public entities, you can eliminate the need to monitor changing collateral values.(1)

Ask us about how CDARS can work for you the next time you visit one of our branches, or e-mail for more information

CDARS is a registered service mark of Promontory Interfinancial Network,LLC

Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with Adams Bank & Trust.  This agreement contains important information and conditions regarding the placement of funds by us.

(1) 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.