If one of your New Year's resolutions is to grow your savings, one smart strategy is to keep your money in an account earning the most interest. The Federal Reserve has been slow to raise interest rates, and even recent hikes haven't trickled down to consumers in the form of better savings yields. The average savings account offers a paltry 0.19% annual return, only slightly better than a year ago, according to Deposit Accounts. Some experts say that money could grow faster at online banks. Some CDs, or certificates of deposit, are also more generous than others. "If you're not seeking out the best returns on savings accounts and CDs, you're leaving money on the table," said Greg McBride, chief financial analyst at Bankrate.com. "It's the only place in the investment universe where you can get extra returns without extra risks." These accounts are protected by the Federal Deposit Insurance Corporation, a government agency tha