It is best to withdraw it, pay for a penalty and then re-invest somewhere else where interest rates are higher.
Waxaa fiican inaad haysato lacag qadaadiic ah oo hal mar sareysa ka dibna hoos u dhacda oo dib ugu noqota barta sare halkii ay ka ahaan laheyd lacag horay u cusbooneysiisay sarreheeda.