1) Certificates of Deposit. 定期

2) I am also curious where did you get the 200% code for the CD???

And where did you get the 6% APY? I think the 6 month is 5% APY, according to here:

https://web.da-us.citibank.com/cgi-bin/citifi/portal/ps/detail.do?M_M=S&BS_Id=SvgCDs

3) normally no fee for that, in the worse case, you can just write a check to your self for it.