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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.

Forbes contributors publish independent expert analyses and insights. Davey Winder is a veteran cybersecurity writer, hacker and analyst. Since January 2025, the FBI has confirmed that more than $262 ...