United Community Bank is offering several competitive CD rates. The two best are the 2.00% APY 10-month CD special and the 2.25% APY 18-month CD. Minimum deposit is $500. There's also a 2.50% APY IRA CD. These rates are listed in the bank's rates page as of 1/28/2010.
It appears a branch visit is required to open an account. Branches are located in the southeast Indiana cities of Lawrenceburg, St. Leon and Aurora which are just west of Cincinnati, Ohio.
The bank's ratings for safety and soundness are strong: 4 stars (excellent) at BauerFinancial and 4 stars (sound) at Bankrate.com. Both ratings are based on 9/30/09 financial data. The bank has been a FDIC member since 1936 (FDIC Certificate # 29620).