what is the best 12 month cd?
['Ally: 1.00% APY, $0 minimum deposit.', 'Barclays: 0.85% APY, $0 minimum deposit.', 'Capital One: 0.50% APY, $0 minimum deposit.', 'Charles Schwab: 0.20% APY, $1,000 minimum deposit.', 'Discover: .90% APY, $2,500 minimum deposit.', 'Marcus: 1.10% APY, $500 minimum deposit.']