Servicing Large-Dollar CD Accounts
For individuals, businesses, community organizations and public funds looking for a secure option to grow a large amount of money, the CDARS® program at Heartland Bank is your answer.
How the CDARS® Program Works at Heartland Bank
When you place a large deposit into a CD with us, we place your funds in CDs issued by other banks within the same network for less than the standard FDIC insurance maximum. This guarantees protection for the principal investment and any interest it generates. And while your money is spread across multiple banks, you only work with us. Plus, there are numerous other benefits to the CDARS® program:
- Community Investment- the full value of the money in your account supports lending opportunities throughout our local community.
- Cash Management- you can use the CDARS® program as a cash management tool, as well as a long-term investment option.
- CD-Level Rates- the CD-level rates your money earns are competitive with other investment options such as treasuries, money market funds and sweep accounts.
Contact your Heartland Bank office today to learn more about getting started with the CDARS® program.

