Pass-through CDs

IB&T offers FDIC-insured CDs from various financial institutions on a pass-through basis. Because we purchase CDs in larger amounts, they usually bear higher interest rates than those available in the general marketplace. And if you have deposits totaling more than the FDIC insurance limit, IB&T can purchase CDs that are completely insured on your behalf. IB&T can also facilitate your purchase of non-U.S. denominated CDs through its international banking sources, including CDs in other currencies. (Non-U.S. CDs are not insured or guaranteed by the FDIC or the U.S. government).