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.

Should you invest in pans, shovels, or sluices first? Pans are the most important, so you should invest in them first. After pans, invest in shovels. Try to get both the pan and the shovel in the same ...