In general,the longer the maturity of a deposit,the lower the yield a financial institution must offer to its depositors because of the greater interest-rate risk the bank faces with longer-term deposits.

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In general, the longer the maturity of a deposit, the higher the yield a financial institution must offer to its depositors. This is because depositors are taking on more interest rate risk by locking in their money for a longer period, and they typically require higher interest rates as compensation for this risk.

In General,the Longer the Maturity of a Deposit,the Lower the Yield