Skip to Content

All locations will be closed on Columbus Day

We will be closed on Monday, October 10, in observance of Columbus Day. ATMs will still be available to deposit checks, transfer money, view balances, and get cash!

High Value CDs

Certificate of Deposit Account Registry Service (CDARS®) are an easy and secure way to access FDIC insurance on deposits of $250,000 or more. Simply sign a CDARS Deposit Placement Agreement, make your deposit, and we will take care of the rest! Your large deposit will be broken up into amounts under $250,000 and placed at other CDARS Network participating banks. As a result, your entire deposit is eligible for FDIC insurance and you have the convenience of receiving one monthly statement from American Community Bank & Trust.

Contact us to learn more.

CDs Without CDARS

CDs Through CDARS

Deposits over $250,000 may not 
be eligible for FDIC insurance
Deposits over $250,000 that are placed 
through Network members are eligible 
for full FDIC insurance
Multiple bank relationships or account 
registrations are required to achieve 
FDIC insured deposits over $250,000

One bank for all your CD and banking needs

Multiple statements and 1099s result 
from numerous banking relationships
One consolidated statement and 1099