For those who like good rates but not too crazy about rate chasing or long term commitment this one’s for you. Ally Bank just announced a special rate for the holidays. From today till Jan 2, 2018, you can open a 12-Month CD with a 2.00% APR with no minimum deposit required. This is one of the best rates (if not the highest) on the market right now. There is an early withdrawal penalty though, but at least it’s a short term commitment. If you already bank with Ally, this would literally take you less than 5 mins to open. For more details, you can visit here.