Certificate of Deposit Account Registry Service (CDARS)

Protect your large investments while earning CD-level returns

When you deposit a large amount with us, we'll place your funds into CDs issued by other banks in the the CDARS® Network in increments under the standard FDIC insurance maximum, making both principal and interest eligible for FDIC coverage.

Best for

CDARS is an ideal program for organizations and individuals, including:

  • Businesses
  • Nonprofit organizations
  • Public fund managers
  • Trustees
  • Financial advisors
  • Credit unions


Advantages of CDARS include:

  • Access to multimillion-dollar FDIC insurance coverage, including the principal and interest of large deposits
  • Daily compounding interest
  • A set maturity date
  • A single consolidated account statement for all funds


By working directly with BB&T, you can eliminate:

  • Time spent managing multiple bank relationships
  • The effort of manually consolidating monthly statements
  • Time spent administering various interest rates per maturity
  • The need to monitor changing collateral on an ongoing basis
  • Time spent organizing interest disbursements from various sources

Ready to get started?

In person

Locate a branch.

Related services

Business High Performance Money Market Account

Sign up for a premium savings account with tiered money market rates for clients with a business checking account from BB&T.

Business Investor's Deposit Account (BIDA)

The Business Investor's Deposit Account (BIDA) from BB&T is a money market savings account for business clients that seek tiered interest rate opportunities while maintaining liquidity.

Business Money Rate Savings

Business Money Rate Savings is the optimal account for businesses and organizations with low to moderate savings balances. It's designed to help you stay flexible and achieve your business goals.

Public Fund Money Rate Savings

Use earned interest and convenient account access to meet your financial goals.

Not convinced that CDARS is right for you?

For a complete list of account fees, see our Business Services Pricing Guide (PDF).

See our Commercial Bank Services Agreement (PDF) for more information.

Learn more about your account, including fees and ways you can avoid them.

Branch Banking and Trust Company, Member FDIC.