Once upon a time, I went on a fishing trip with my grandpa. The only thing we caught was a plastic bag. Since that fateful day, I need to play every obligatory fishing mini-game to feel accomplished.

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.