Most banks offer types of savings account with a time limit. For example, you deposit X amount into the account for a fixed time, usually 6 months, 1 year or two years. The interest rate is a big higher than on regular savings accounts, but often you cannot add funds during the saving time. Also keep in mind that it is very hard to get the money back before the account expires, even if you really need it.
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I didn't find the right solution from the internet.
References:
-https://www.smallbusinessforums.org/showthread.php?2367-What-s-the-BEST-way-to-save
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