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Enjoy the security of FDIC insurance on multi-million dollar balances.

Key Features

  • FDIC Insurance
  • Fixed Rates
  • Competitive Interest

FDIC insurance doesn't have to stop at $250,000. CDARS offers FDIC insurance on multi-million dollar balances. Plus, the management of your CDs is handled in full by Belmont Bank & Trust. That way, you gain better rates and peace of mind without inheriting the workload to match.

  • Simplify investing with one bank, one rate and one statement:
    • One Bank — Access multi-million-dollar FDIC insurance coverage by working directly with
      Belmont Bank & Trust
    • One Rate — Negotiate one rate for each CD maturity and enjoy the option of reinvesting them through a simple process
    • One Statement — Receive one easy-to-read, regular statement summarizing all of your CD holdings
  • Interest above standard savings; competitive with other investment alternatives
  • Greater security — multi-million dollar FDIC insurance coverage*
  • Convenience — everything managed internally by Belmont Bank & Trust
  • Saves time with significantly less paperwork
  • One year-end tax form
  • Flexible maturity periods available
  • Helps support lending opportunities within your local community**

For more information on CDARS, see our CDARS video below or download the CDARS Presentation (PDF).

Watch Our Video

With ICS (Insured Cash Sweep), you can access multi-million dollar FDIC insurance in Illinois on large, interest-bearing money market deposits.

Enjoy peace of mind.

Know that ICS funds are eligible for protection that is backed by the full faith and credit of the federal government.

Earn interest.

Put excess cash balances to work in savings accounts (money market deposit accounts).

Maintain access to funds.

Withdraw ICS funds up to six times per month.

Save time.

By providing access to FDIC insurance up to $110,000,000 through a single bank relationship, ICS can help individuals, businesses or public companies receive 100% insurance on large deposits, liquidity, interest on money market deposits).

Watch Our Video

*Limits apply.

**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.

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., and One Bank. One Rate. One Statement. are registered service marks of Promontory Interfinancial Network, LLC.