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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Lindsey Ellefson is Lifehacker’s Features Editor. She currently covers study and productivity hacks, as well as household and digital decluttering, and oversees the freelancers on the sex and ...