- Protect
- Earn
- Control
- Current Rates
Protect
Insured & distributed
FDIC/NCUA-insured deposit solutions designed to help protect cash reserves through a network of trusted financial institution partners.
The FDIC and NCUA insure up to $250,000 per tax ID, per covered institution. This means, if you have excess cash at one bank or credit union, your cash is not fully protected. Ampersand’s network approach distributes your funds across multiple insured institutions, providing comprehensive coverage while maintaining easy access through one platform.
Earn
Yield that works
Access competitive high-yield savings, money market, and CD options designed to help idle cash work harder.
Ampersand maximizes the yield on your cash through smarter allocation, constant rate monitoring, and instant optimization. We track rates and communicate with financial institutions while you earn more, easily.
Designed for operating reserves, emergency funds, charitable funds, and long-term savings.
Control
Access & visibility
Maintain visibility, flexibility, and access to your funds through streamlined digital tools and reporting.
Personal Control
For individuals and families:
- Online access
- Transfer requests
- Visibility into balances and statements
- Ability to move funds when needed
- Consolidated reporting
Association & Organizational Controls
For unions, associations, nonprofits, and businesses:
- Authorized signer controls
- Board/governance transparency
- Consolidated reporting
- Structured account management
- Operational flexibility
- Audit-friendly documentation
- Multi-user visibility, where applicable
Current Rates
Exclusive CD Rates for First Responders and Their Families
3.26%
Current high-yield cash/money market rate
0.65%
Current national money market comparison rate
Source: S&P Capital IQ Pro; Financial Data
Contact us for current CD rates.
Sign Up for Our Weekly Rate Email
How to Get Started
Suggested Flow
Conversation
Have a conversation with Anew Advisors to discuss your goals, liquidity needs, and account structure.
Choose Your Strategy
Select the savings, money market, or CD structure that best aligns with your financial goals.
Simple Digital Application
Complete a streamlined onboarding and verification process securely online.
Monitor & Manage
Access your account information, statements, and transfer options through the digital platform.
The Anew Way vs. Old Way
The Anew Way
- One streamlined solution
- Competitive yield opportunities
- Expanded FDIC-insured structure
- Consolidated reporting
- Simplified cash management
- Purpose-driven liquidity planning
- Coordinated cash management approach
Old Way
- Multiple banking relationships
- Idle cash earning little interest
- Limited FDIC coverage at one bank
- Manual tracking across accounts
- Operational complexity
- Cash sitting without strategy
- Separate CDs and banking relationships
Disclosures
Ampersand, Inc. is not a bank or depository institution. Ampersand acts as agent for clients in placing deposits at FDIC- or NCUA-insured banks or credit unions within the Ampersand partner network. Applicable deposit insurance is provided by those institutions, subject to standard limits, aggregation rules, and regulatory requirements, including conditions for pass-through coverage.
Coverage in excess of the standard insurance limit at a single institution is achieved by allocating funds across multiple insured institutions. Total available coverage depends on the number of participating institutions, account ownership, and satisfaction of regulatory requirements.
Rates, terms, program features, participating institutions, and access to funds may change and are not guaranteed. Ampersand does not guarantee the financial condition of any institution or the availability of insurance coverage in all circumstances.
Statements regarding protection, performance, or earnings are general in nature and may not apply to all clients. For additional information about FDIC insurance coverage, visit www.fdic.gov.