Access multi-million-dollar FDIC insurance on CD Investments. IntraFi® Network Deposits℠ is the easiest, most convenient way to access FDIC insurance on large deposits. Almost anyone who wants to combine the convenience of working directly with just one financial institution with the security of access to FDIC insurance will benefit from IntraFi® Network Deposits℠.
When you place a large deposit with us, we place your funds into certificates of deposit issued by other financial institutions in the IntraFi® Network℠, allowing you access to multi-million-dollar FDIC protection on CD investments.
Everything is handled through our bank. You work directly with us to secure large deposits. Your large deposit is broken into smaller amounts and placed with other banks that are members of the IntraFi® Network℠. Then those banks issue CDs in amounts under the standard FDIC insurance maximum, so that your investment is eligible for FDIC protection. By working directly with just one bank – our bank – you can receive insurance through many.
You earn one interest rate per maturity on your entire CD investments placed through the IntraFi® Network℠ – so you can forget about multiple rate negotiations and the need to consolidate multiple disbursement checks. With IntraFi® Network Deposits℠, there is no need to negotiate multiple rates or manually tally disbursements for each CD.
You receive a monthly statement detailing all of your CDs along with their issuing banks, maturity dates, interest earned, and other details. With IntraFi® Network Deposits℠, there’s no need to manually consolidate statements or track changing collateral values on an ongoing basis. It’s that simple!
Peace of Mind
Rest assured your IntraFi® Network Deposits℠ deposits are eligible for multi-million-dollar FDIC insurance and aren’t subject to floating net asset values that can lead to loss of principal and erase returns during a down market or period of high market volatility.
No Hidden Fees
There are no hidden fees of any kind. You will not be charged annual fees, subscription fees or transaction fees for using the IntraFi® Network℠ service. The rate you see is the rate you get.
Your funds can support local lending initiatives that strengthen the local community.
A Wide Variety of Maturities
You can select from various maturities - ranging from 4 weeks to 5 years (260 weeks) - and choose the terms that best suit your investment needs.
Invest using IntraFi® Network Deposits℠ today. Enjoy access to multi-million-dollar FDIC insurance combined with the convenience of one bank, one rate and one statement!
 Consult with your account manager or one of our customer services representatives regarding available rates.
 When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the IntraFi® Network℠, we can use the full amount of a deposit placed through IntraFi® Network℠ 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.
Placement of funds through the IntraFi® Network℠ service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (DPA). Limits apply. Although funds are places 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 IntraFi® Network℠ settlement for a deposit or after IntraFi® Network℠ 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 IntraFi® Network℠ satisfies those restrictions. IntraFi® Network Deposits℠ and One Bank One Rate One Statement are registered service marks of IntraFi Network, LLC.
How does IntraFi® work?
When you’re ready to take advantage of IntraFi® Network Deposits℠, here’s what happens:
You enter into one Deposit Placement Agreement. You sign one simple IntraFi® Deposit Agreement with us.
You select an interest rate and a maturity from our offering. Based on our current CD options, you agree to a rate and a maturity that best matches your investment goals.
Funds are deposited. Using IntraFi® Network Deposits℠, we submit your funds for placement at member banks.
CDs are issued. Member banks issue CDs in denominations under the FDIC maximum, so your investment is eligible for FDIC coverage.
Confirmation is received. You receive written confirmation of your deposits and a listing of all of your CDs.
That’s it! Using IntraFi® Network Deposits℠ is that easy!
How can IntraFi® help you?
Any organization or individual who wants to combine the convenience of working directly with a single bank with the security of FDIC insurance can benefit from IntraFi® Network Deposits℠.
Businesses, nonprofits, government entities, advisors (trustees, trust officers, lawyers, accountants, financial advisors/planners, and other fiduciaries), and individual investors can:
Earn CD-level returns, which may compare favorably with those of Treasuries and other high-quality investments.1
Satisfy requirements for insured deposits.
Enjoy the time-saving conveniences associated with one relationship, one interest rate per maturity, and one regular statement.
Eliminate the need to track changing collateral values on an ongoing basis.
Avoid having uninsured deposits to footnote in financial statements.
Make the full amount of deposit available for lending in the local community.2
Invest using IntraFi® Network Deposits℠ today.
Enjoy access to multi-million-dollar FDIC insurance combined with the convenience of one bank, one rate and one statement!