CDARS

With CDARS (Certificate of Deposit Account Registry Service), you can access FDIC protection on multi-million dollar CD investments through Five Star Bank. There are few guarantees in life—FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you.1

The benefits of CDARS:

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.2

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.

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 maximum—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. 2

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 cdars@fivestarbank.com for more information.

1 Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with Five Star Bank. The agreement contains important information and conditions regarding the placement of funds by us.

2 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.
CDARS is a registered service mark of Promontory Interfinancial Network, LLC.

South Placer

6810 Five Star Blvd.
Suite 100
Rocklin, CA 95677
916.626.5000
rocklin@fivestarbank.com

Rancho Cordova

3100 Zinfandel Drive
Suite 100
Rancho Cordova, CA 95670
916.851.5440
rancho@fivestarbank.com

Sacramento

2400 Del Paso Road
Suite 100
Sacramento, CA 95834
916.640.1500
natomas@fivestarbank.com

Elk Grove

9355 E. Stockton Blvd.
Suite 160
Elk Grove, CA 95624
916.714.2444
elkgrove@fivestarbank.com

North Valley

358 Hartnell Avenue
Suite B
Redding, CA 96002
530.223.6652
redding@fivestarbank.com

Chico

426 Broadway
Suite 203
Chico, CA 95928
530.592.0470
chico@fivestarbank.com