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Lauren Graves is an educator-turned-editor specializing in personal finance content. She seeks to make complicated topics easier to understand and less intimidating to the average reader with accurate ...

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.

The Federal Reserve wraps up 2025 with its final policy meeting next week, and economists expect officials to deliver a third consecutive rate cut when it announces its decision on Wednesday. The ...