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money market account Question 12. 12. (TCO 2) An example of a _____ deposit is a checking account. common time current loan demand Question 13. 13. (TCO 2) Compared to other financial institutions, credit unions provide an advantage in the area of interest-bearing checking accounts. low-cost personal loans. flexible-rate loans. credit cards. variable-rate savings plans. Question 14. 14. (TCO 2) _____ refers to the business hours and location of a financial institution and can be an important factor when it comes to consumer selection. Safety Cost Compounding Liquidity Convenience