定期存款就是以获得利息、同时除非在确定时间内(通常90天)通告方能取款的方式存到(银行)机构的钱。
A time deposit is money given to a (banking) institution that earns interest but cannot be withdrawn except after giving notice for a defined period of time (usually 90 days).
通常定期存款的期间从三个月到五年不等，时间越长利息越高。
Generally, time deposits offer investment maturity terms from 3 months to 5 years where longer terms earn higher rates.
当她们定期存款一段时间后，她们就可以获得银行发放的低息贷款。这些贷款的年利率要比当地高利贷低60%。
When they have established a record of regular deposits, they are eligible for bank loans with annual interest rates far lower than the 60 per cent charged by local loan sharks.
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