Cornerstone Bank & Trust is offering a very competitive 12-month CD with a 2.22% APY. This is listed at the bottom of the bank's rates page as of 1/24/2010.
The bank also offers a reward checking account with a current rate of 3.56% APY on balances up to $30K (DepositAccount's Rates and Review page).
It appears that a branch visit is required to open an account. Branches are located in the west Illinois cities of Alton, Carrollton and Jerseyville.
The bank's ratings for safety and soundness are average: 3 stars (adequate) at BauerFinancial and 3 stars (performing) at Bankrate.com. Both ratings are based on 9/30/09 financial data. The bank has been a FDIC member since 1934 (FDIC Certificate # 15317).