Countrywide Bank???

[Mysto]

As interest rates come down - I'm looking for a better place to park my cash.
Countrywide bank seems to be a good choice based on rates and the ability for electronic xfer but.... they are probably the center of the subprime universe. I know the bank is FDIC insured but what happens if Countrywide goes belly up. Do I stand and wait for my money? Any other problems or exposure? Any one know or have ideas?