It appears a branch visit is required to open an account. Branches are located in the Florida Panhandle cities of Niceville, Freeport and DeFuniak.
The bank's ratings for safety and soundness are fair: 3½ stars (good) at BauerFinancial and 2 stars (below peer group) at Bankrate.com. Both ratings are based on 3/31/09 financial data. The bank has been a FDIC member since 1986 (FDIC Certificate # 26687).
Other Competitive Certificate of Deposit Rates