farmbureaubank.com | Certificate of Deposit Account Registry Service® (CDARS®)
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Farm Bureau Bank CDARS and ICS CDARS & ICS Services

The CDARS and ICS services are designed to maximize your money's security, insurance, and earning potential. You will gain access to multi-million dollar FDIC insurance coverage and extremely competitive rates, while banking directly with Farm Bureau Bank. Your funds stay with us so you can feel proud knowing you're taking part in giving back to the Farm Bureau community. It's banking made simple for our members.

How it Works

With both CDARS and ICS, we divide your money throughout different financial institutions also participating in the Network. Certificate of Deposit accounts are used for CDARS, while Money Market accounts are used for ICS. Dividing the total amount ensures the principle and interest are eligible for FDIC insurance, but you don't have to worry about dealing with multiple banks - we take care of that for you.


CDARS (Certificate of Deposit Account Registry Service®)

The CDARS service offers short and extended maturity terms, and allows you access to FDIC insurance for large deposits. We offer rates higher than industry standard and terms starting at 13 weeks up to 5 years, you'll find the perfect fit.


ICS (Insured Cash Sweep®)

The ICS service rewards high-balance Money Market Accounts with multi-million dollar FDIC insurance eligibility. Plus, you will have access to funds with 6 allowed withdrawals per month.


Ready to learn about your options?

Contact our Relationship Banking Department at 210.637.4834 for current rates and start earning more today!


Click here to download an informational flyer.


If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor's funds through ICS or CDARS, or a particular ICS or CDARS transaction, satisfies those restrictions.

Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement ("DPA"). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount ("SMDIA"), a depositor's balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, CDARS, Insured Cash Sweep, and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.




* Rates disclosed as Annual Percentage Rate (APR) and Annual Percentage Yield (APY). Farm Bureau, FB, and the FB National Logo are registered service marks owned by, and used by Farm Bureau Bank FSB under license from, the American Farm Bureau Federation. Farm Bureau Bank FSB is a service-to-member institution which provides banking services to Farm Bureau members and others in participating states. Services are not available in the following states: IL, KS, MI, MO, NY, OH, and WY.