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Neal has more than 20 years of experience in financial and business journalism covering retail investing, airlines, pharmaceuticals, healthcare, sustainability, technology, and retail. He has worked ...

Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. Toby Walters is a financial writer, investor, and lifelong learner.

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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.

Harvard's free programming classes teach you how to think, debug, and adapt in an AI-driven world where knowing code matters more than ever.