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Time Deposit Explained a time deposit or term deposit (also known as a certificate of deposit in the united states, and as a guaranteed investment. The client deposits a sum of money in the bank for a certain period of. with a term deposit, you can invest a sum of money into an account for a certain period of time in exchange for a high interest rate. time deposits are a method of saving offered by banks to their clients. a time deposit or term deposit (also known as a certificate of deposit in the united states, and as a guaranteed investment. Two common types of time. a time deposit is a bank deposit where funds are invested at a fixed interest rate for a specific period.
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