A financial consultant is offering advice to a high-net-worth client who intends to invest USD 500,000 in a bond rated at least AA. The consultant is assessing bonds from Company X, Company Y, and Company Z to determine the bond that satisfies the client's credit rating requirement and provides the maximum return at maturity.

The following data has been collected by the consultant:

Company/Bond	Bond rating	Annual coupon rate (%)	Time to maturity in years	Price (USD)	Par value (USD)
X	AA+	3.50	5	975	1,000
Y	A+	3.56	5	973	1,000
Z	AAA	3.38	5	989	1,000

Considering that the bonds make semi-annual coupon payments, which bond should the financial consultant choose for the client?