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.

If you’ve already fallen off your workout routine, you’re not alone—and it doesn’t mean you’re failing. January 9 is known as Quitter’s Day, the point when motivation dips and New Year’s resolutions ...