Risky?

I opened a money market account today w/ Indy Mac bank. Bankrate.com gave the bank a low rating for on their "Safe and Sound" index. From the website:

Bankrate.com's Safe & Sound Capitalization, Asset quality, Earnings and Liquidity (CAEL)® is a proprietary, analytical product that assesses the financial condition of banks, thrifts and credit unions.

Safe & Sound CAEL rating system Safe & Sound CAEL rating Definition Star rating 1 Superior ««««« 2 Sound «««« 3 Performing ««« 4 Below peer group «« 5 Lowest rated « No Report Complete data not available No Report "U" Closed Institution is closed Closed G Designates high growth --

Disclaimer: This information is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered an institution's financial condition.

To learn more We believe that many banking consumers consider a bank's financial stability to be pertinent to their banking decisions. Bankrate.com's Safe & Sound CAEL rating feature is an independent resource to assist consumers in those banking decisions.

Hmm - Indy Mac Bank of Pasadena only got 1 star. Should I be worried? Big financial institutions like Countrywide didn't even have a rating, so I'm not sure how accurate/updated this rating system is. I had pared down my choices for my $1,000 to either a 3 star rated bank with an interest rate of 3.59 or Indy Mac with a 3.97 rate.

I figure both are FDIC insured and went with Indy Mac. My only other thought on the matter is - WOW, interest rates suck now!