“… achieving for our banking clients the lowest total cost to attract non-brokered core deposits…”

“… our clients earn an average of 25 basis points higher on their investments…”

“… raising the bar by constantly seeking to challenge best practices…”

“…our clients now have at their fingertips the ability to keep track of their entire portfolio at a moment’s notice…”

“… the core issue remains where to find funding that will withstand the uncertainties of today’s market… ”

CD Investments
Accounting Package
Core Depoits Retail Deposits


Maintaining and managing the right mix of liquidity tools required to fund assets and meet obligations is arguably the most important responsibility any bank owes to its financial well being and that of its shareholders.

National CD Rateline has built its reputation and success with clients by greatly simplifying and speeding up the funding transactions in Jumbo CDs.


Investor institutions looking for a soft landing for excess liquidity will find no better or more accessible trading floor than National CD Rateline. At any given moment of every day, thousands of qualified Investment Managers can be found discovering and taking advantage of Jumbo CD investment opportunities on And for good reason.

National CD Rateline is quite simply the most powerful tool in the Jumbo CD industry. There are no broker fees. No per-transaction or rollover fees. Savvy investors know and appreciate the value of our low cost, highly effective subscription rates. And since you have free rein to deal directly with the institutions you choose, you save literally thousands of dollars compared to other sources.

What’s more, our clients are given all the necessary tools to develop a sound diversification policy of your own, with the greatest potential for profitability at the least cost. There is no expensive software to support. We do the job for you, surveying thousands of institutions daily, giving you unlimited daily purchasing power to invest in Federally insured top Jumbo CD offerings across the country. Our one-of-a-kind interactive web site puts at your fingertips the ability to place your investment directly with the depository. No middlemen. No sticky fingers.

National CD Rateline has been consistently profitable and continues, along with our clients, to prosper. Our growth has been made possible through a simplified and highly flexible online buy/sell template, innovative marketing campaigns, sales presentations, participation in financial conventions, and guest-speaking engagements.

If you’re looking for a way to prosper by maintaining control of your investments and remaining directly involved in the buying and selling process, we invite you to take a look at National CD Rateline. We’re about more than merely freeing you up to deal direct and save thousands of dollars. We’re about the result: our clients earn an average of 25 basis points higher on their investments.


Built into the National CD Rateline methodology is a process that many other ratings services either do not provide at all, or offer as a stand-alone profit center. It is benchmarking, sometimes referred to as “process benchmarking” or “best practice benchmarking.” And it is part of the package when you become a National CD Rateline annual subscriber.

Benchmarking is an invaluable management tool that will keep you totally wired in not only to current market trends but also the historic scenarios that set the stage for present events. This balancing of past against present will help you insulate against interest rate risk, while also giving you the opportunity to foresee and capitalize on funding and investment options during market fluctuations.

Our experience with clients is that benchmarking is a process which managements, particularly strategic managements, already appreciate and use in evaluating various aspects of their processes in relation to “best practice,” usually within their own sector. Sometimes thought of as a one-off event, in today’s volatile marketing environment it is more and more being included in the marketing mix as a continuous process by which smart organizations seek to raise the bar by constantly seeking to challenge their practices.

National CD Rateline clients have come to rely on the benchmarking process as integrated directly into our daily buy/sell discipline. It is our goal to keep you on top of your game when it comes to the bottom line.


National CD Rateline’s innovative accounting package will save you an enormous amount of time, time better spent on meeting the minute-by-minute challenges of an ever-evolving financial marketplace.

Far and away the most experienced and technologically advanced Rate Service… as well as the most simplified, most flexible, most liberating… our accounting department offers all the time-tasking components of a complete CD management system. It facilitates detailed Search Filtering, features a Financial Calculator, a comprehensive, daily-updated Rate Average Graph, and free 24/7 Technical Support.

Most notably, clients can enjoy the ultimate luxury of our e-mail innovation: Rate Robot where you don’t even need to be logged into the system. Our Rate Robot enables you to receive email offerings customized to your specifications. Just enter the information once and the system will notify you whenever an offer becomes available.

Clients now have at their fingertips the ability to keep track of their entire portfolio at a moment’s notice. Simply clicking on to their own Maturity Graph, for instance, enables them to chart their maturities from one to 60 months, note where they are concentrated, consider laddering their portfolios more evenly.

Our Accounting Package makes creating your own Accrual Report a snap. Click on the institution or institutions involved to produce a complete rundown of interest accrued, payments received, accrual balances, last payments, and their amounts. Audits become automatic, whether they be for a detailed report on any investment in your portfolio, a bulk payment overview, or an audit confirmation notification. Pop-up Institutional Alerts, highlighting investments you already own, safeguard you from doubling up on investments.

Other popular features generated by our accounting software include our list of Top Ten Rates, emailed to clients twice weekly, as well as a convenient and time-saving private directory of all pertinent information regarding your bank transactions, such as key contact people, their phone numbers and extensions, and certificate numbers.

When it comes to keeping you financially informed, count on us to keep you fully accountable.


In today’s volatile marketplace, banks looking for financially productive and viable sources of funding welcome deposits obtained through National CD Rateline. Considering them to be non-brokered status, these bankers classify such funding as core deposits.

And the FDIC backs them up in this assessment. The FDIC classifies a rate board as a “non-brokered listing service’ if it meets certain criteria:

  • It must charge clients subscription fees only.
  • No fees will be levied based on the number or dollar value of CDs placed.
  • The rate board performs no services for clients except the gathering and transmission of information.
  • It is not involved in placing deposits.

National CD Rateline qualifies on all counts. Core deposits are typically thought of as lower cost funding sources that lag behind other sources in the need for re-pricing during a period or rising interest rates.

However, the core issue remains where to find funding that will withstand the uncertainties of today’s market. It is far truer in the mega-markets that hold sway in modern economies that Jumbo CD time-deposits have proven to be the more relatively stable funding sources… and the most fiscally productive.

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