Deposit Account Difference Between A Term Deposit Account And A High Interest Savings Account?

Difference between a term deposit account and a high interest savings account? - deposit account

At the moment I have a strong interest savings account with an interest rate of 4.75%
So little time I watch the accounts of deposits, but it can not truly find that a higher interest rate than it is today.

I know how things work, you can not jump on the money in a given period, etc.

But what are the benefits if she could not keep my savings account interest rates, has an interest in higher and can not on my money?

Thank you!