Abstract: A certificate of deposit (“CD”) portfolio system and method to attract institutional investors through dealers to CD issuing small to medium sized community deposit taking institutions. The central entities of the system include a system operator and a system clearing house. The system operator contacts and signs up the institutions to become a part of the system. These institutions are community banks that are too small to individually attract institutional investors. It also contacts and signs up dealers and then unitizes FDIC insured CD's into single investment instrument portfolios which the dealers then market to their institutional investor clientele. The clearing house is in communication with the system operator, the institutions and the dealers to act as an agent facilitating transactions by issuing the CD's, handling funds, settling transactions, and acting as custodian/trustee for all transactions.

Abstract: A certificate of deposit (“CD”) portfolio system and method to attract institutional investors through dealers to CD issuing small to medium sized community deposit taking institutions. The central entities of the system include a system operator and a system clearing house. The system operator contacts and signs up the institutions to become a part of the system. These institutions are usually community banks that are too small to individually attract institutional investors. It also contacts and signs up dealers and then bundles FDIC insured certificates of deposit into portfolios which the dealers then market to their institutional investor clientele. The clearing house is in communication with the system operator, the institutions and the dealers to act as an agent facilitating transactions, namely by issuing the CD's, handling funds, settling transactions, and acting as custodian/trustee for all transactions.