Florida Community Bank is offering a special 3.85% APY 2-year CD. The minimum deposit is $500, and the amount cannot exceed $99,000. It also has a step-up feature that allows a one-time increase in the rate if interest rates go up. This special doesn't seem to be listed at the bank's website. It was advertised in today's Naples Daily News. The ad is available online here.
A branch visit is likely to be required. Branches are located in Fort Myers, Naples, Cape Coral, Punta Gorda, Port Charlotte, Labelle, Lehigh Acres and Immokalee. The bank has been FDIC insured since 1934 (Certificate # 5672).