deferred savings; fixed-term deposit
A savings deposit where the principal is left untouched for a set period, often with a higher interest rate than ordinary savings. Common in banking contexts.
A fixed-term deposit offers a higher interest rate in exchange for not being able to withdraw until maturity.
定期預金 is a more general term for time deposits, while 据え置き貯金 specifically refers to a type of savings deposit with a fixed term, often used in postal savings or certain bank products.
Compound of 据え置き (deferred, fixed) and 貯金 (savings). The exact historical derivation is uncertain; the term is conventionally used in banking.