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I Have $20,000 in a CD, What Should I Do With It?The best CD rates of are as high as % APY, offered by CommunityWide Federal Credit Union on a 6-month certificate. 1-year CD rates � America First Credit Union � % APY � Limelight Bank � % APY � CIBC Bank USA � % APY. Today's APY of these Fixed Term CDs is %. Your rate will be determined at maturity. For CDs that mature on or after 12/05/ At maturity, 7,