Savings Bank of Menocino County is offering a yield of 5.09% APY and an interest rate of 5.00% on certificates of deposit with terms of 24 to 60 months. The minimum deposit is $10,000. A yield of 5.13% APY for these terms is available in an IRA.
It looks likely that they require a branch visit to open an account. I've sent them a message to confirm. Branches are located in the California cities of Redwood Valley, Ukiah, Hopland, Fort Bragg, Mendocino and Lakeport. The bank has been a member FDIC since 1934 (Certificate # 8011). It has a rating of 4 out of 5 stars (sound) at Bankrate.com based on 9/30/07 data.