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Through CDARS, TCB offers customers access to multi-million dollar FDIC insurance on large deposits.

Everything is handled through our bank.  Your large deposit is broken into smaller amounts and placed with other banks that are members of the CDARS Network.  Then, those banks issue CDs in amounts under the standard FDIC insurance maximum, so that your investment is eligible for FDIC protection.  By working directly with just one bank - our bank - you can receive insurance through many. 

You receive just one monthly statement from TCB that lists all your CDs, the issuing banks, the maturity terms, and the transaction dates.

For Organizations or individuals looking for access to multi-million dollar FDIC insurance

CD-level rates
Consolidated statement, agreement, and account service

Details Access to multi-million dollar FDIC insurance 
4-week to 5-year terms available
Early withdrawal penalties apply

Limits apply.  Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us.  The agreement contains important information and conditions regarding the placement of funds by us.  CDARS is a registered service mark of Promontory Interfinancial Network, LLC.