Synchrony Bank (NJ) also has a 1.25% CD for 12 months (higher for 24 – 60 months). THEY are completely legit and their customer service (located in the US) is excellent!

https://www.synchronybank.com/banking/products/cd/index.htm?UISCode=0000000

About 18 months ago, Synchrony Bank bought GE Capital (who ran their own Visa brand), Care Credit and JCP Credit. They’re now a huge US bank.

Don’t know anything about Emigrant Bank. Never heard of them.