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.

Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first ...

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A couple weeks ago, a one-time check for $90 from the Social Security Administration showed up in my checking account. I wasn’t totally sure what that was all about, but I had a pretty good idea.