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.

Vanessa is a lead writer at CNET, reviewing and writing about the latest smartwatches and fitness trackers. She joined the brand first as an on-camera reporter for CNET's Spanish-language site, then ...