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Put excess cash to work with ICS® and CDARS® — interest-bearing deposits protected with multi-million-dollar FDIC insurance.

Key Features

Guaranteed Returns

Competitive Rates

FDIC Insurance

  • Ensure your high-dollar deposits are working for you1
  • Earn competitive interest higher than standard savings rates
  • Retain FDIC insurance on deposits over $250,000
  • Funds are deposited into multiple accounts (FDIC-insured institutions only; Only institutions in the ICS/CDARS network)
  • Work just with us — receive one statement from GCB
  • Saves you time (no need to track collateral values on your own)
  • Supports local lending, strengthening the community
  • No fees of any kind for the ICS or CDARS services

ICS® – Insured Cash Sweep

  • Funds deposited into demand deposit accounts, money market deposit accounts, or both
  • Unlimited withdrawals using the demand option, or up to six program withdrawals per month using the savings option 

CDARS®

  • Funds are deposited into multiple CD accounts
  • Select from a range of maturities (4 weeks, 13 weeks, 26 weeks, 52 weeks, 2 years, 3 years, and 5 years)

1Limits and customer eligibility criteria apply.