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.

We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Wirecutter Staff No matter how long you’ve used an iPhone, there are always ...

Rachel is a freelancer based in Echo Park, Los Angeles and has been writing and producing content for nearly two decades on subjects ranging from tech to fashion, health and lifestyle to entertainment ...