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At First Empire CD Management, Inc. your total cost never exceeds the negotiated rate of interest. We partner with your institution in the following ways:

• Locate depositors for your institution. These depositors are found through a national network of institutions.
• Instruct depositors to wire funds directly to your institution along with their complete return wiring instructions.
• Send written confirmation to you and each depositor noting the length and term of the certificate and rate of interest being paid.  These return rates and terms are predetermined by you. 

Once you have provided an estimate of the amount of funds your institution needs, we will complete your processing quickly and efficiently. We are dedicated to assisting your institution in finding the funding it needs to grow.