Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

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Make sense of the day’s news and ideas. Catch up on big news, and wind down to end your day. The biggest stories of our time, in 20 minutes a day. A guide to understanding the news, made for readers ...