One Bank

Access multi-million-dollar FDIC insurance by working directly with just us – the bank you know and trust.

One Rate

Negotiate one rate with our bank for each CD maturity, and enjoy the option of reinvesting funds through a simple process.

One Statement

Receive one easy-to-read statement from our bank summarizing all your CD holdings.

  • CDARS: CD option with flexible terms available.
  • ICS: maintain on-demand access to funds with a checking or savings account.
  • Available to consumers, businesses, public funds, nonprofits, and others.
  • Peace of mind and security with access to multi-million-dollar FDIC insurance.
  • Simplify collateral tracking.
  • Earn return on your funds.
  • Ease of accessing everything directly through a single bank, SNBT.
  • Funds can stay local to support lending opportunities that build a stronger community.

How does CDARS® work?

We are part of a special network – the CDARS Network. When you place a large amount of money with us, we make sure that both principal and interest are eligible for FDIC protection.

What else should you know?

By providing access to FDIC insurance, CDARS complies with investment policy mandates, reduces collateralization requirements, and enables you to devote more time to other activities in support of your mission.