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.

To participate, submit your response here by July 24 at 9 a.m. Eastern. This week’s winners will be announced by Aug. 5. By The Learning Network Megha Mishra learned a scientific fact that could have ...