Why choose IntraFi Network Deposits?

FDIC Insurance

With IntraFi Network Deposits, you can access multi-million dollar FDIC protection on CD investments. [1]

One bank and one rate

You work directly with us to secure large deposits and earn one interest rate per maturity on CD investments. There is no need to negotiate multiple rates or manually tally disbursements for each CD.

One statement

You receive one regular statement detailing your CD investments. You no longer need to manually consolidate statements at the end of each month, quarter, or year.

No hidden fees

There are no hidden fees of any kind, period. The rate you see is the rate you get.

A wide variety of maturities

You can select from various maturities ranging from 3 months to 5 years (260 weeks) and choose the terms that best suit your investment needs.

No ongoing collateralization

Because they are eligible for FDIC protection, you may not need to collateralize your deposits, eliminating the time-consuming task of tracking collateral values on an ongoing basis. [2]

Current IntraFi Network Deposits Rates

  • Minimum to open: $10,000
  • Maximum: $100,000
  • 13 weeks to 5 year terms with $10,000 minimum deposit
  • Interest credited monthly
  • Enables FDIC insurance up to $50 million (penalties for early withdrawal)
Rates accurate as of 05/01/2024 and may change at any time.
*APY = Annual Percentage Yield.
Account Type APY* Interest Rate
6-Month Fixed Rate 3.04% 3.00%
1-Year Fixed Rate 1.00% 0.995%
2-Year Fixed Rate 1.20% 1.19%
3-Year Fixed Rate 1.25% 1.24%

Learn more about CDARS with this helpful video

Ready to open your new account?

Visit one of our convenient local branches to open your IntraFi Network Deposits account today. Questions? Call us at 877-508-8455, we’re happy to help!

Find a branch location near you

To open your new NBM account, we will need the following information.

  • Social Security number and date of birth for all individuals on the account
  • Phone number and email address
  • Physical address (no post office boxes)
  • Debit card or account for funding the initial deposit for your new account
  • License or passport information for all individuals on the account
  • School information if you are a student

Please note:

A $100 initial deposit is required at account opening unless otherwise indicated. An early closure fee may apply (on accounts open less than one year)

Other fees and charges that may apply are outlined in our Fee Schedule.*

*This link opens a PDF. Click here to download Adobe PDF Reader.

[1] Limits apply. Funds may be submitted for placement only after a depositor enters into an IntraFi Network Deposits Placement Agreement with National Bank of Middlebury The agreement contains important information and conditions regarding the placement of funds by us. [2] If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor’s funds through IntraFi Network Deposits or a particular IntraFi Network Deposits transaction satisfies those restrictions. [3] When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the Network, we can use the full amount of a deposit placed through IntraFi Network Deposits for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor’s consent, our bank may choose to receive fee income instead of deposits from other banks. Under these circumstances, deposited funds would not be available for local lending. IntraFi Network Deposits is a registered service mark of IntraFi Network LLC.