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  3. Savings In the United States, people who want to start a savings have many choices. / Banks and credit unions are traditiona

Savings In the United States, people who want to start a savings have many choices. / Banks and credit unions are traditiona

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答案 Savings In the United States, people who want to start a savings have many choices. / Banks and credit unions are traditional places to opin an account. / Savings are protected up to a limit if a federally guaranteed bank or credit union ever fails. / Banks and other financial organizations pay interest on savings accounts, / but the interest rates are low. / Certificates of deposit are another way to save. / They pay higher interest rates. / With a certificate of deposit, a person agrees / not to withdraw an amount of money for a period of time. / The term could be three months, or it could be several years. / Longer terms, and larger amounts, pay higher interest. / Another way to save is through a money market fund. / They pay higher interest than savings accounts. / The money is usually placed in short-term government securities. / Money market funds, however, may not be federally guaranteed like other kinds of savings. /
解析     储蓄
   在美国，想开储蓄账户的人有许多选择。储蓄账户一般可在银行或信用合作社办理。银行和其他金融机构按时给储蓄客户的账户返还利息，但利率不高。定期存款是另一种储蓄方式，其支付的利率更高。定期存款的户主答应在一定时间内不会取出一定数额的款项。这个时间期限可能是三个月或者好几年。
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