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.

You finally found the car that you love and worked out a great deal with the salesperson. Now they send you over to the finance and insurance (F&I) manager’s office to sign some paperwork. It’s the ...