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Looking for a way to keep large deposits safe? Ask us about CDARS (Certificate of Deposit Account Registry Service). It’s a great solution for businesses, nonprofit organizations, public funds managers, trustees, financial advisors, and individual investors.

With CDARS, you can access FDIC protection on multi-million dollar CD investments through Heritage 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


  • 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.

1 Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with Heritage 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.