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.

Trying to test API online can be a bit of a headache, especially with so many tools out there. I’ve found myself lost in the options more than once. Whether you’re just starting out or you’ve been ...