根据本金、利率和期限计算定期存款的到期价值。
到期价值
利息收入
有效年利率
定期存款到期值 = P x (1 + r/n)^(n x t)
其中 P = 本金，r = 年利率，n = 复利计算频率，t = 期限（年）
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