You should consider Fidelity, Schwab, or other broker - at least investigate.
You'll find that you have much more available with the CDs. The reason is simple - Ally is only going to offer you Ally CDs. The yields and terms available are only going to be what Ally is offering. If you have an account with Fidelity or Schwab, you'll be able to choose CDs from many banks and they are all offering competitive rates for all maturities.
The fact that you are looking to keep your maturities to 1 year and under because of what you perceive are Ally-specific issues with rates above 1 year emphasizes the point.
Below is the link to Fidelity's current rates - just focus on the top line in the table for CDs (New Issues) and be sure Highest Yield is selected for View by. The CDs being offered by Fidelity are higher yielding than at every maturity compared to what Ally is offering - and there are no minimums (aside from the $1000 for purchasing one CD) to get the rate, as is the case with Ally.
https://fixedincome.fidelity.com/ftgw/fi/FILanding
I can appreciate having everything at one institution to make your financial life easier. However, again, consider what you're doing and why. If you're sticking to one year and under, you're probably sacrificing more than just a few basis points by not going to 2-year, or 3-year. 3-year is going to be yielding 3% before the end of summer. That could be a full percentage point or higher than you're getting for CDs under one year - $1000+/year on $100k. That's a nice amount of additional cash for a little effort. I did just check out Ally's CD rates on their site, and I completely agree with you - they are not competitive for CDs longer than 1 year. But your savings/investing/returns should not be limited because of what the institution you're dealing with can offer - not in this era.
There's no cost to investigate.
As far as high yield savings accounts, American Express is at 1.55%, and we keep the bulk of our non-CD cash with DollarSavingsDirect.com, currently at 1.80%. Both Amex and DollarSavingsDirect are FDIC insured.
Best regards.