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.

Scale weight can fluctuate from water, hormones, undigested food, and muscle gain. Track waist size, photos, and clothing fit to spot fat loss. Weight loss needs a calorie deficit, but both overeating ...