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Looking for a way to keep large deposits safe? Learn more about CDARS® - a great solution for personal wealth, businesses, non profit organizations and public funds.

Access multi-million dollar FDIC insurance.

CDARS® is a great solution for businesses, nonprofit organizations, and public funds.

With CDARS, you can access FDIC protection on multi-million dollar CD investments through Middleburg Bank.1 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.

Why CDARS? It’s one-stop shopping. With help from CDARS, you can access:

How does CDARS work?

Everything is handled through Middleburg Bank. Your large deposit is broken into smaller amounts and placed with other banks that are members of the CDARS Network. Then, those banks issue CDs in amounts under the standard FDIC insurance maximum ($250,000), so that your investment is eligible for FDIC protection. By working directly with just one bank – Middleburg Bank – you can receive insurance though many.  When we exchange funds on a dollar-for-dollar basis with other banks in the Network, the full amount of your original deposit comes back to our bank.  And, we can make the full amount of your deposit available for  lending in the local community. 2

What else should I know?

Now, you no longer have to spend time managing multiple bank relationships, administering various interest rates, organizing interest disbursements from various sources, or manually consolidating monthly statements. This reduces your administrative burden, especially during tax and financial reporting seasons.

And with CDARS, you can eliminate the need to monitor changing collateral values on an on-going basis – another time saving convenience.

Of course, your confidential account information remains protected.

Ask us about how CDARS can work for you the next time you visit one of our financial centers, or call 703-777-6327 for more information.


  1. Limits apply.  Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with Middleburg Bank.  The agreement contains important information and conditions regarding the placement of funds by us.
  2. When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the CDARS Network, we can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent, our bank may choose to receive fee income instead of deposits from other banks. Under these circumstances, deposited funds would not be available for local lending. .

CDARS is a registered service mark of Promontory Interfinancial Network, LLC.


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