I can tap, scribble, or circle anything on my Android phone to learn more in seconds. It even identifies songs.

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.

Nearly 15% of Americans have bad credit (a FICO Score below 580), according to credit reporting agency Experian. A poor credit score can keep you from getting approved for a traditional loan and from ...