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Locking your SSN is one of the best ways to protect yourself from identity theft, and you can do it for free. Geoff Williams is a journalist and author. His byline has appeared in numerous ...

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.