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Savings
储蓄
In the United States, people who want to start a savings have many choices.
在美国，想开储蓄账户的人有许多选择。
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.
储蓄账户一般可在银行或信用合作社办理。
Banks and other financial organizations pay interest on savings accounts,but the interest rates are low.
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。
Certificates of deposit are another way to save.
定期存款是另一种储蓄方式，
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.
定期存款的户主答应在一定时间内不会取出一定数额的款项。
The term could be three months, or it could be several years.
这个时间期限可能是三个月或者好几年。
Longer terms, and larger amounts, pay higher interest.
存期越长，金额越大，利息收益越高。
Another way to save is through a money market fund.
另一种方式是通过货币市场基金进行储蓄，
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.
货币市场基金的资金通常被用于做短期的政府债券。
Money market funds, however, may not be federally guaranteed like other kinds of savings.
但是货币市场基金可能不会像其他类型的储蓄那样受到联邦政府的保障。
