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Community Association Deposit Solutions

Earn a competitive interest rate on deposit and reserve accounts with custom options for expanded FDIC coverage. Utilize your earnings to reinvest in your communities.

Interest Bearing Accounts

Secure your deposits while earning interest. Earn a competitive interest rate on checking accounts, Money Market accounts, Certificates of Deposit and the additional account types listed below.

Certificates of Deposits (CDs)

Rates and terms vary based on deposit amount and length of CD. Current Rates.

Sweep Accounts

Move your excess funds overnight to earn interest on a checking or operating account.

Automated Insured Cash Sweep (ICS)

Protect your deposit funds when they exceed FDIC insurance limits. The ICS program provides you with control over your deposits. Choose the option that works best for your business.

  • Automated - when your deposits reach the designated thresholds, your funds are automatically transferred to multiple banks in increments within the FDIC insurance coverage amount to ensure all funds and interest are insured.
  • Manual – utilize our online banking platform to manually transfer funds.

For more information on Reserve Accounts or Deposits. Watch our Community Association Insights Episode on Reserve Accounts and Maintaining Deposits within FDIC Limits to learn more.

CAB Interest Checking
Tiers Interest Rate Annual Percentage Yield (APY*)
$0 - 2,499.99 0.05% 0.05%
$2,500 - 25,000 0.05% 0.05%
$25,000 and above 0.05% 0.05%

Minimum opening deposit of $100. Click here to view our Account Disclosures.

Rates effective as of 12/07/2019

 

Money Market Accounts

Variable Rate Money Market is a tiered interest rate product, based on the balance in the account. This product can be used as an operating overflow account, or as a reserve account and limited to six withdrawals per month.

Tiers Interest Rate Annual Percentage Yield (APY*)
$1,000 - 99,999.99 0.40% 0.40%
$100,000 - 249,999.99 0.45% 0.45%
$250,000 - 499,999.99 0.50% 0.50%
$500,000 and above 0.60% 0.60%

Minimum opening deposit of $1,000. Click here to view our Account Disclosures.

Rates effective as of 12/07/2019

 

CDARS®(Certificate of Deposit Account Registry Service)

CDARS® is the Certificate of Deposit Account Registry Service®. You'll have access to full FDIC coverage on deposits up to $50 million—so you can rest assured that your deposited funds are safe and secure.

 

Tiers Interest Rate Annual Percentage Yield (APY*)
4 Weeks 0.60% 0.60%
13 Weeks 0.75% 0.75%
26 Weeks 0.90% 0.90%
52 Weeks 1.73% 1.75%
104 Weeks 1.39% 1.40%
156 Weeks 1.59% 1.60%

Minimum opening deposit of $10,000. Maximum deposit $50 Million per Tax ID Number.

APY assumes interest will remain on deposit until maturity.

Penalty may be incurred for withdrawal prior to maturity.

Rates effective as of 12/07/2019

 

Start Earning More Today.

Contact your Regional Account Executive or call us at 866-800-4656

Click here to view our Account Disclosures.

*APY = Annual Percentage Yield.

*Limitations Apply. Ask a banker for complete details.

Rates subject to change without notice.

The illustrated minimum collected balance must be maintained to obtain the disclosed Annual Percentage Yield (APY) for that tier. The daily collected balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Fees could reduce the earnings on the account. Penalty may be imposed for early withdrawal on accounts with stated maturities. The interest rate and APY may change after the account opening. APY assumes interest will remain on deposit until maturity. Interest on tiered accounts is paid on the full balances.

Some limits apply, including minimum opening balance and balance requirements. Ask a banker for complete details.