Start by multiplying 45,550 by 6%. This will give 2,730. over the next three years the price decreases, so multiply 2,730 by 3, which is 8,190. Finally, subtract 45,550 by 8,190 to get 33,710.
Certificates of deposit are only available to the bank's most proven and valuable customers, so the bank can afford to give a greater interest rate on them.