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I Have $20,000 in a CD, What Should I Do With It?A Chase Certificate of Deposit (CD) account offers guaranteed rates with short- or long-term options. See CD rates and terms. Current 5-year CD rates � SchoolsFirst Federal Credit Union � % APY � Synchrony Bank � % APY � America First Credit Union � % APY. Right now, the best CD rate is % APY. Compare the best CD rates today, drawn from our research on about banks and credit unions that offer CDs.