Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about ...

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.

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Marguerita is a Certified Financial Planner (CFP), Chartered Retirement Planning Counselor ...

Lucas Downey is the co-founder of MoneyFlows, and an Investopedia Academy instructor. A housing unit, whether an apartment or a single-family house, is a distinct living space whose residents have ...