4.30% 10-Month CD at a Florida Bank (East Coast Community)


East Coast Community Bank is offering a special 4.30% APY 10-month CD. The minimum deposit is $1,000, and the maximum is $100,000. This special CD doesn't seem to be listed at the bank's website. It was advertised in yesterday's Daytona Beach News Journal. The ad is available online here.

It appears that a branch visit may be required to open an account. Branches are located in Ormond Beach and Port Orange, FL.

The bank's financial ratings are mixed: 2 star rating (below peer group) at Bankrate.com and 4 star rating (excellent) at BauerFinancial. Both are based on 3/31/08 data. The bank has been FDIC insured since 1997 (FDIC Certificate # 34439).
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BankFIRST is offering a special 4.00% APY 9-month CD. The minimum deposit is $1,000 with no maximum deposit. There's also a special 3.75% APY 12-month CD. These specials don't seem to be listed at the bank's website. A reader emailed me about these, and I just called the bank for additional details. According to the CSR, these are available at all of their branches. A branch visit is required. The CSR didn't know how long these would last, but they just started on Monday, so they should last for a...
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