Riverside Bank is offering some competitive CD rates: 3.90% APY for 19 months, 3.95% APY for 24 months and 4.00% APY for 30 months. Minimum deposit is $500. Maximum deposit is $75,000. Early withdrawal penalty is 6 months of interest. These rates are listed on the bank's front page as of 1/13/09.
It appears a branch visit is required. Branches are located in the Southwest Florida cities of Fort Myers, North Fort Myers, Venice, Golden Gate, Nokomis and St. James City.
The bank has some weak ratings for soundness: 0 star (lowest) at BauerFinancial and 1 star (lowest) at Bankrate. Both ratings are based on 9/30/08 financial data. As I recommend with any bank, it's best to stay under the FDIC limits. The bank has been FDIC insured since 1997 (FDIC Certificate # 34563).