Dunham Insured Deposit Marketplace (IDM)

The Dunham Insured Deposit Marketplace (IDM) offers up to $60 million in FDIC Insurance by allocating deposits across a network of FDIC insured banks. This cash management account provides stability, daily liquidity, and convenience. The IDM delivers what we believe a competitive yield and increases insurance protection.

One Stop Access up to $60 million in FDIC Insurance

Daily Liquidity

FDIC Insurance

Competitive Returns

How IDM Works

As of Mon Feb 02 2026

The APY on IDM is3.29 %*
The interest rate on IDM is3.24 %*
Your Cash
Your Financial Advisor
Dunham
Dunham IDM
Bank A$250,000
Bank B$250,000
Bank C$250,000

Allocates to as many banks as necessary to provide FDIC insurance up to a maximum of $60 million

Customers have the option to exclude any IDM Receiving Bank they choose. However, by opting out of one or more IDM Receiving Banks, it may affect the maximum amount of FDIC insurance available. We partner with a Third-Party, Reich & Tang, to offer FDIC insurance across a network of banks. If you require a bank to be removed from the list for your purposes, you can review that list at the link below and send a request in to customercare@dunham.com
View Bank ListView FAQIDM Disclosure BookletIDM Flyer