Liberty Bank is offering a special 4.91% APY 14-month CD. The minimum deposit is $10,000. This CD doesn't seem to be listed at the bank's website. A reader mentioned this bank a couple of days ago, and I just called for additional info. According to the CSR, a checking account may be required. She couldn't say how long this special would last, but she said rates often change weekly.
It appears a branch visit may be required to open new accounts. Branches are located in the Southwest Florida cities of Naples, Cape Coral and Bonita Springs.
The bank's financial ratings for soundness are weak: 2 stars (problematic) at BauerFinancial and 1 star (lowest) at Bankrate.com. These ratings are based on 6/30/08 data. As I recommend with any bank, it's best to stay under the FDIC limits (The new rules work out well for this CD.) The bank has been FDIC insured since 2006 (FDIC Certificate # 58135).
Thanks to the reader who emailed news of this special CD.