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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.

Carley is a writer, editor and social media professional. Before starting at Forbes Health, she wrote for Sleepopolis and interned at PBS and Nickelodeon. She's a certified sleep science coach and ...

The higher your credit score, the better your chances of approval on financial products with a lower interest rate. Even if you have a fair or bad credit score, though, you have options. Some lenders ...