I did some reasearch into Redneck Bank and this is what I have found:
Goto the FDIC website
There you can search for "Bank of the Wichitas" (whom the Redneck Bank claims to be affiliated with). It will come up with the information and contain a link to the FDIC insured bank.
You will see that the main page mentions the Redneck bank making this deal legit. It looks like the redneckbank site is simply a portal for applying online. It is still a little sketchy, especially with an interest rate like that.
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