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.

Meara covers streaming service news for CNET. She graduated from the University of Texas at Austin with a degree in journalism. When she's not writing, she likes to dote over her cat, sip black coffee ...