Regarding a 3.95% APY, 12 Month CD through "Orlando First Guaranty" FDIC-Insured, and a 4.01% APY, 6 Month CD, "insured and guaranteed" through "First Financial Group" advertised recently (9/8 & 9/26) in editions of the Orlando Sentinel ; I imagine both of these would fall into the "to good to be true category," but does anyone have any experience with either of these firms or know how they operate?
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