CDARS inomirira Certificate yeDhipatimendi Registry Service. CDARS chirongwa chinokubvumira kupararira mari yako pakati pemabhandi akasiyana-siyana, kazhinji kugara pasi peDICIC yerinishuwarenzi pane chero bhengi. CDARS inzira yekuti mumwe munhu aite dambudziko rekukundikana kwebhangi kwauri.
FDIC Zvikwereti
FDIC inshuwarisi chirongwa chinotsigirwa nahurumende chinodzivirira bhengi yako mari . Kunyange zvakadaro, kune chikwata chema dollar chinokwana $ 250,000 pamudzidzi wega
Kune vanhu vazhinji, izvi zvakawanda, asi vamwe vanhu nemasangano vanoda kuchengetedza mari inopfuura $ 250,000 mubhangi.
Kana uine zvinopfuura kupera kwepamusoro, iwe une zvisarudzo zviviri:
- Tora njodzi yokuti bhangi rako richakundikana uye tarisirira kuti mari yako isina kubhadharwa haizorasikirwi
- Paridza mari yako pakati pemabhengi akawanda eDICIC kuitira kuti ugare pasi pemuganhu pane imwe sangano
Chinhu chokutanga hachina ngozi kuvanhu vazhinji, uye chechipiri chisarudzo chinogona kunge chakaoma uye nguva.
CDARS inokubvumira kupararira mari yako pakati pemabhangi akasiyana-siyana usingakwanisi kuita zvose zvaunoita iwe pachako. Mari inowanikwa mune zvigwaro zvekuisa (CDs) kubva pamwedzi kusvika kumashanu.
Kushandisa CDARS
Mabhanji ekubatanidza : kushandisa CDARS, iwe unofanira kutanga nebhangi inopinda purogiramu yeCDARS. Mabhengi akawanda ari chikamu chekubatana, uye iwe unogona kunge uine hukama neimwe ye mabhanki.
Dhipatimendi mari: ita mari muCDARS pamba yako. Iwe uchada kushandisa imwe Chikamu cheDhipatimendi Chekuchengetedza chairo chairo kune CDARS. Bhengi yako ichazoparadzanisa mari kune mamwe mabhandi emiti, kuchengetedza mari pachikoro chimwe nechimwe pasi pepamusoro we FDIC yeruzhinji.
Chengetedza mari yako: CDARS inofara kuti purogiramu inopa chirevo chimwe.
Panzvimbo yekuchengetedza nhoroondo dzakawanda pamabhengi akawanda (ane multiple logins uye zvinyorwa zvese), uchawana zvose pane zvakasimbiswa zvinyorwa.
Zvinodhura zvakadini? Somutengi, iwe haungabhadhari mari yaunofambisa kumatare eCDARS. Mari yako inobhadhara kutora chikamu, saka iwe uchabhadhara chero mari inowanzopihwa nebhaji yako. Pakupedzisira, uri kubhadhara basa racho sechidimbu cheCD ( APY ) iyo inogona kunge iri pasi kudarika iwe unogona kuwana kana iwe wakatengesa kusvika kumatunhu akakwirira. Izvo zvaunowana mukudzoka inzira inoshandiswa yekuchengeta mari yako yakachengeteka.
Ko CDARS yakachengeteka here? CDARS inoshanda yakarurama yave iripo kubva muna 2003. Mari yako yakachengeteka sezvaizove mune imwe nzvimbo yeDICIC-inshurenzi - nokuti mari inogara mumabhangi (CDARS haina kutora chero mari). CDARS yakasikwa nevaya vaimbogadzirisa zvemari uye inotungamirirwa neVetontory Interfinancial Network, LLC.
Alternative Logistics
Kana iwe usingadi kushandisa CDARS chero chikonzero, iwe unogona kuparadzira mari yako pakati pemabhanga akasiyana-siyana eDICIC. Pane dzimwe nzira mbiri dzokubvisa izvi:
- Vhura nhengo dzebhuku rimwe nerimwe: enda kubhengi rimwe nerimwe (kana rimwe bhizinesi rewebhishopi) uye uzarurire account. Iva nechokwadi chekuchengeta zvinhu zvako pane imwe sangano iri pasi pe $ 250,000 panguva dzose - saka usaisa mari yakazara $ 250,000 nokuti chikwereti chaunowana chichasvitsa account yako pamusoro pemuganhu.
- Brokered CDs: Chimwe chinhu ndechokuti shandisa ma CDs mukati mekombi imwe. Iwe uchasangana nemamwe matambudziko kana iwe uchienda nenzira iyi, asi iwe unogona kuchengeta zvose pane rimwe chirevo (sokunge iwe unogona neCDARS).
Kana iwe uchiita zvose iwe pachako, iva nechokwadi chokuti mabhenji amunoshanda nawo ndeye FDIC yakavimbiswa. Tarisa pane imwe nhengo yeDICIC.gov. Iwe unogonawo kuwana humwe huviriro hunotsigirwa nehurumende pamabhanga emarikiti. Inishuwarenzi yaNCUSIF, iyo yakaenzana neDFIC inshuwarisi, inotungamirirwa neNational Credit Union Association. Kuti uone kugovera, enda kuNCUA.gov.