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.

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.

Every autumn, as new iPhones arrive, millions of people hand over perfectly good devices for far less than they are worth.

Compare Betterment and Merrill Guided Investing, two top robo-advisors that can assist you with automated investing and learn which one is right for your finances.