What differentiates a savings deposit from a small-denomination certificate of deposit (CD)? Select one: a. A savings deposit cannot be withdrawn before its maturity date without incurring a penalty; funds in a CD are available at any time with no interest penalty. b. A CD has a fixed maturity date; a savings deposit can be withdrawn at any time. c. All depository institutions accept savings deposits, whereas only a thrift institution can issue a CD. d. Only a savings deposit is a time deposit. Next