Instruments like savings accounts and certificates of deposit pay a small rate of interest. They carry little risk.

像储蓄账户和存款证这样工具支付的利息很低，他们承担的风险也很小。

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CDs used for hypothecation are limited to certificates of time deposits issued by the savings outlets in the local administrated area of the tier-one branches of and branches under the Bank of China.

用于质押的存单仅限于中国银行一级分行及直属分行本辖区内各储蓄网点所开具的定期储蓄存单。

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A brochure that provides a simple introduction to the main services offered by Banks and credit unions, including checking accounts, savings accounts, certificates of deposit and debit CARDS.

本文简介各银行及信贷会提供的主要服务，包括：支票户口、储蓄户口、定期存款以及银行现金卡。

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The high net interest margins at Wells Fargo have, in large part, been attributed to its large low cost average core deposits (which include noninterest-bearing deposits, interest-bearing checking, savings certificates, market rate and other savings, and certain foreign deposits).

FORBES: Three Ways To Tell If Pain Or Pleasure Ahead For Wells Fargo

The bad news is the obvious places savings accounts and certificates of deposit are still offering almost nil returns.

WSJ: Your Emergency Fund Needs a Boost

When faced with unexpected expenses, Ms. Chapman advises clients to dip first into the assets with the lowest rates of return, such as certificates of deposit or savings accounts.

WSJ: Expecting the Unexpected When