Final answer:
Financial intermediaries that serve as deposit-type institutions include credit unions, savings and loans (thrifts), and commercial banks, which accept deposits and make loans. Insurance companies and investment companies also act as financial intermediaries but not as depository institutions. These entities all contribute to the functioning of the financial capital market by offering various accounts and services.
Step-by-step explanation:
Deposit-type institutions, known as financial intermediaries, include credit unions, savings and loans, and commercial banks. These entities are vital as they accept money deposits from individuals and businesses and use these deposits to give out loans. Credit unions, much like commercial banks, provide similar financial services to their members, who are also their owners. Savings and loans, also referred to as thrifts, focus primarily on taking deposits and making housing-related loans. Both types of institutions, along with commercial banks, operate under the principle of pooling deposits and providing loans to individuals and businesses.
Although not mentioned as options in the original question, other financial intermediaries that do not take deposits include insurance companies and investment companies. They provide financial services that can help individuals and businesses with risk management and investments, but they do not function as depository institutions.
Banks, credit unions, and savings and loans offer consumer accounts like checking accounts, savings accounts, and certificates of deposit, which are sometimes associated with various fees and interest rates that can affect investment and savings habits. Banks additionally have the security of being insured by the FDIC, which protects deposits in the event of a bank failure.