Investing money in a Certificate of Deposit is a financial commitment that literally pays future dividends. Because the time periods tend to be strict when it comes to CD investments, it’s important for consumers to find the best rates for a greater return. Consumers need to carefully research the best CD terms available from different financial institutions. Some CD investment terms include minimum deposits, interest rates, and early withdrawal fees. The top three CDs with high rates include Ally Bank CD, CIT CD, and the Discover CD. For the month of March, Ally Bank CDs feature APYs of 2.65 percent and Discover CDs are at 2.45 percent. CIT Bank CDs are offered with up to 1.85 percent APYs, which is high for a short-term CD. Act now if you want to lock in one of these great rates, and consider these questions when shopping for the best CDs.