Fidelity Bank of Florida continues to offer very competitive long-term CD rates. The best two are the 3.75% APY 5-year CD and the 3.45% APY 48-month CD. Minimum deposit is $10,000 and $4,000 for an IRA CD. The bank also has competitive rates on its NOW Checking and tiered money market account. The money market account has rates up to 1.75% APY for a $100K balance. The APY had been 2% in July. These rates are listed at the bank's rates page as of 10/02/09.
It appears that a branch visit is required to open an account. Branches are located in the Central Florida cities of Merritt Island, Longwood and Port Richey.
The bank's financial ratings for safety and soundness continue to be a little weak: 3 stars (performing) at Bankrate.com (based on 3/31/09 data) and 2 stars (problematic) at BauerFinancial (based on 6/30/09 data) The bank has been a FDIC member since 1990 (FDIC Certificate # 33198).