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.

Few Americans have the cash they need on hand to pay for big-ticket items upfront. That's why it's not unusual for people to take out mortgages, car loans and student loans, so they can pay for these ...