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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James Chen, CMT is an expert trader, investment adviser, and global market strategist. David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, ...

Julie Young is an experienced financial writer and editor. She specializes in financial analysis in capital planning and investment management. The term "blue ocean" was introduced in 2005 to describe ...