Tristan Yates is executive director of Yates Management, a consultancy serving U.S. financial institutions and mortgage-backed security providers. Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an ...

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.

Emily Rassam, CFP, is Partner and Senior Financial Planner for Archer Investment Management. With more than 17 years of experience in investment firms across New York and North Carolina, she is ...