CDARS is a simple way to access FDIC-insurance on deposits of $250,000 or more. Rest easy knowing we’ll take care of all the details for you.

CDARS is the Certificate of Deposit Account Registry Service®. It’s the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger than $250,000.


  • Safety - you can access multi-million dollar FDIC insurance coverage.
  • Convenience - you work directly with Lakeland Bank. You earn one interest rate and receive one regular statement, and one year-end tax form.
  • CD-Level Rates - Your money earns CD-level returns that may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts, and money market funds.
  • Community Investment - The full value of your money can support lending opportunities in your local community. 1

What people are saying

What drew me to Lakeland Bank was the professional and personalized attention I received on all levels. When speaking with customer service representatives and financial consultants, my needs are recognized and treated with importance, which is an experience that differs greatly from my experiences with other banks.

Allen W.

Watch their story

Get Started

Call 866-224-1379 or visit the branch closest to you.