Although only 19% of consumers believe that it's a good time to buy a home, according to a recent survey by Fannie Mae, it's never too early to start building a down payment fund. Money earmarked for ...

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.