One new CD feature that Ally Bank recently added is their Ten Day Rate Guarantee. Here's how Ally Bank describes this:
When you fund your CD within ten days of opening your Ally account, you automatically get the best rate we offer during that time period.
So if you had opened the 12-month CD in the last 10 days, you should be able to get the 2.05% APY. When I contacted an Ally Bank CSR, I was told that their system will automatically give you the higher rate.
For more information on Ally Bank and the savings accounts and CDs, please refer to this post. Ally Bank deposit accounts are FDIC insured (FDIC Certificate # 57803).
Other Competitive Certificate of Deposit Rates