There is NO SUCH THING as a “guaranteed commercial real estate CD”! Period.
Rates are low for a reason The Fed is pushing them down. If you want an FDIC insured CD, go to www.MaxMyInterest.com to let them find one for you at no charge. Or just settle for whatever your bank is offering for a one-year CD — maximum time period. Then figure out your future plans and perhaps consider a Roth IRA at Vanguard in the S&P 500 fund, depending on your age and risk tolerance and need for liquid funds.