Learn how to get up to $50 million in FDIC Insurance Coverage.

CDARS – the Certificate of Deposit Account Registry Service – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD level rates, which often compare favorable to Treasuries and money market mutual funds. CDARS offers multiple benefits to depositors who want to combine the security of access to FDIC insurance above $250,000 with the convenience of working directly with just one financial institution.
Below are just a few of the benefits on choosing CDARS:

  • Peace of Mind – Using the CDARS service, you can access multi-million-dollar FDIC insurance on CD investments.
  • One Relationship – You work directly with Bank of Houston, N.A.
  • One Rate – You negotiate one interest rate per maturity on CD investments placed through CDARS. There is no need to negotiate multiple rates per maturity or tally disbursements manually for each CD.
  • One Statement – There is no need to manually consolidate statements. You receive one easy to read statement detailing all of your CD holdings.
  • No Hidden Fees – You will not be charged annual fees, subscription fees, or transaction fees for using CDARS. The rate you see is the rate you get.
  • A Wide Variety of Maturities – You can select from various maturities – ranging from 4 weeks to 5 years – and choose the terms that best suit your investments needs.
  • Community Investment – Your funds can support lending initiatives that strengthen your local community.

For more information on the CDARS program, please visit or call your local banker at (713) 497-1515 or (254) 445-2213 to get started today!


Multi-million-dollar FDIC Insurance Coverage at your fingertips

ICS – Insured Cash Sweep – is another way to access FDIC insurance eligibility well beyond $250,000. ICS is an excellent cash management option where your funds are placed into demand deposit accounts, money market deposit accounts, or both while offering operational efficiencies. You work directly with your banker at Bank of Houston, N.A. while maintaining daily liquidity (limited to six withdrawals per month for funds placed into money market deposit accounts).

For more information on ICS, please visit or call your local banker at (713) 497-1515 or (254) 445-2213 to get started today!