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(1) You are limited to one withdrawal a year or the rate drops (2) You are limited to two withdrawals a year or the rate drops (4) You are limited to four withdrawals a year or the rate drops (5) You ...

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.