Pacific National Bank offers you CDARS_SM, (Certificate of Deposit Account Registry Service) a convenient and innovative service with great benefits to those customers with more than $100,000 who want to place large deposits of money into one single financial institution. CDARS_SM are Certificates of Deposit fully covered by the FDIC, placed on FDIC insured banks through the CDARS_SM service by Pacific National Bank for the customer, in amounts in excess of the $100,000 threshold. Our customer receives one statement summarizing the CDs.

• Simplifies managing CD portfolios.
• Convenience of a single statement.
• Relationship directly with Pacific National Bank.   

• Eligibility for full FDIC insurance.

Market rates as published by Pacific National Bank. The rate will be established depending upon the market conditions, the size of the CD, the term, and will remain fixed during the term of the CDARS_SM. Interest is paid at maturity or monthly. There is a substantial penalty for early withdrawal of funds as specified on the CDARS_SM agreement. These deposits are covered by the FDIC.

Terms: 4, 16, 26, or 52 weeks; 2 and 3 years.  
Minimum Amount: In excess of $100,000 up to $1,000,000 if there are more than a million contacts.

-Pacific National Bank is a FDIC Member. Funds may be submitted for placement only after a depositor enters a CDARS_SM Deposit Placement Agreement. The agreement contains important information and conditions regarding the placement of funds by a participating institution.  
-CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.