Select winners in Excel using classic INDEX formulas or modern CHOOSEROWS and TAKE combinations.

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.

A government program allowing taxpayers to file federal tax returns for free has been terminated, but there are still many no-cost options available, especially if you have a simple tax return.