Tired of your heating bill looking like a car payment? Knock the temp down ten degrees while you're at work. Mike De Socio is a CNET contributor who writes about energy, personal finance, electric ...

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.