You have to pay a penalty if you withdraw your CD (certificate of deposit) before matures.
定期存款到期之前，取款是要付罚金的。
A certificate of deposit would make sure you got your invested capital back intact, but the highest rates I could find for a one-year CD were less than 2%.
存款单固然能够保证你原封不动地收回本金，但据我所知，一年期的存款单利息最高也不足2%。
A fixed deposit, also referred to as a time deposit, term deposit or Certificate of deposit (CD), is a kind of savings deposit with a definite length of maturity.
定期存款，也称为期限存款或定期存单，是存款期限固定的一种储蓄存款。
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