Try Our Certificate of Deposit Account Registry System/Insured Cash Sweep (CDARS/ICS)

Traditionally, accounts with balances over $250,000 may not be eligible for FDIC insurance coverage. Our CDARS/ICS system takes the worry out of saving and allows customers to access FDIC insurance for large accounts. With our CDARS/ICS accounts, we help invest your money with other member institutions so that your money stays under the standard FDIC coverage limits at all times. Your money is managed by us, you only have to communicate and coordinate with us, and both your principal and earnings are fully insured by the FDIC. It’s simple and it’s safe; the best of both worlds.


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  • Competitive interest rates. Contact an ISB Customer Service Representative for current interest rates.
  • Multi-million dollar FDIC insurance coverage
  • One banking relationship for all your investments. Iowa Savings Bank coordinates all investments.
  • One statement and one payment (if applicable) for all holdings
  • No hidden fees or charges

How to Get Started

Setting up a CDARS/ICS account is easy. All you need to get started is to:

  • Fill out and sign a CDARS/ICS Agreement and a Custodial Agreement
  • Opening account deposit

Fees may reduce earnings. Service charges are subject to both state and local sales tax. This information is not a Truth in Savings disclosure. Ask a bank representative for Truth in Savings disclosures, account details, restrictions, processing limitations and enrollment instructions.