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.

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Even if you’ve already settled on Fitbit for your next wearable, it can be difficult to know whether to pick the flagship Charge 5 fitness tracker or the company’s ever-reliable smartwatch, Versa 4.