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.

Juliana N., an 18-year-old, newly minted high school graduate from Naples, Florida, began her money management education early in life. She was named the 2025 Charles Schwab Money Matters Ambassador ...