Update 12/06/08: These special CD rates have fallen. Please check the bank's website for the latest rates.
Pathfinder Bank is offering two very competitive CD specials as of 11/25/08: 4.40% APY 13-month and 4.15% APY 5-month. Minimum deposit is $2,500.
It appears a branch visit is required to open accounts. Branches are located northwest of Syracuse in the cities of Central Square, Fulton, Lacona, Mexico and Oswego.
The bank has solid financial ratings for soundness: 4 stars (excellent) at BauerFinancial and 4 stars (sound) at Bankrate.com. Both ratings are based on 6/30/08 data. Pathfinder Bank has been FDIC insured since 1943 (FDIC Certificate # 15977).