Certificates of Deposit (CDs)

If your business has cash to invest, it makes good business sense to let our CDs help get your money working for you. With competitive rates and flexible terms it’s an ideal short-to-long-term investment.

  • $500 minimum deposit to open
  • Terms from 7 days to 5 years
  • A choice of payment options:
    • Compounded to the account
    • Transferred to another Yadkin Bank account
    • Paid by check

CDARS®, the Certificate of Deposit Account Registry Service®

Yadkin Bank customer deposits are insured up to the maximum FDIC limits. In addition, our customers may increase their protection by setting up their accounts in different FDIC-approved ownership categories.

FDIC EDIE Estimator:

For a helpful tutorial on “Maximizing Your FDIC Insurance Coverage,” click here.

However, there are situations in which customers with significant deposits may need to involve multiple banks to achieve 100% coverage for their funds. If you prefer the convenience of working with a single bank along with the security of total FDIC protection, CDARS provides an effective solution.

As a member of the CDARS network, we place your deposits in CDs issued by other members of the network in amounts below the standard FDIC insurance maximum, giving you access to coverage from many banks with our bank as your sole contact. You earn one uniform interest rate per maturity and receive one regular statement listing all of your CDs. For details, please contact any of our branch locations.

*CDARS CDs are considered bank deposits. They are not DTC eligible and, currently, no secondary market exists. Early withdrawals are available, but require the payment of a substantial penalty. You should compare the current rates and features of CDs (including CDs placed through the CDARS service) to other investment alternatives. Past performance may not be representative of future performance or success. Limits apply. 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 CDARS or a particular CDARS transaction satisfies those restrictions. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with our bank. The agreement contains important information and conditions regarding the placement of funds by our bank through CDARS. CDARS is a registered service mark of Promontory Interfinancial Network, LLC.


Through the new ICS (or Insured Cash Sweep℠) service, you can earn interest and access multi-million dollar FDIC protection on your large savings deposits. Enjoy peace of mind, knowing your ICS funds are eligible for FDIC insurance that’s backed by the full faith and credit of the United States government. Earn interest by putting excess cash balances to work in savings accounts (money market deposit accounts). You may withdraw ICS funds up to six times per month.*

*Based on triggering events as set forth in the ICS Deposit Placement Agreement you enter into with our bank. Placement of your funds through the ICS service is subject to the terms, conditions, and disclosures set forth in the agreements, including the ICS Deposit Placement Agreement, that you enter into with us. Limits and customer eligibility criteria apply. Program withdrawals are limited to six per month. ICS is a service mark of Promontory Interfinancial Network, LLC.


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