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Savings
儲蓄
In the United States, people who want to start a savings have many choices.
在美國，想開儲蓄賬戶的人有許多選擇。
Banks and credit unions are traditional places to open an account. Savings are protected up to a limit if a federally guaranteed bank or credit union ever fails.
儲蓄賬戶一般可在銀行或信用合作社辦理。
Banks and other financial organizations pay interest on savings accounts,but the interest rates are low.
銀行和其他金融機構按時給儲蓄客戶的賬戶返還利息，但利率不高。
Certificates of deposit are another way to save.
定期存款是另一種儲蓄方式，
They pay higher interest rates.
其支付的利率更高。
With a certificate of deposit, a person agrees not to withdraw an amount of money for a period of time.
定期存款的戶主答應在一定時間內不會取出一定數額的款項。
The term could be three months, or it could be several years.
這個時間期限可能是三個月或者好幾年。
Longer terms, and larger amounts, pay higher interest.
存期越長，金額越大，利息收益越高。
Another way to save is through a money market fund.
另一種方式是通過貨幣市場基金進行儲蓄，
They pay higher interest than savings accounts.
其支付的利息比定期存款高。
The money is usually placed in short-term government securities.
貨幣市場基金的資金通常被用于做短期的政府債券。
Money market funds, however, may not be federally guaranteed like other kinds of savings.
但是貨幣市場基金可能不會像其他類型的儲蓄那樣受到聯邦政府的保障。
