Is it better to break a bank certificate with usurious interest now, even if it means losing a portion of the money, or to wait until its term ends and then donate the interest?

Most common investment certificates in banks are prohibited because they offer a fixed and guaranteed return. If you inherit money of this type, some scholars permit its use. However, continuing to keep money in interest-bearing bank certificates is prohibited. It is obligatory to break these certificates immediately, keeping the principal capital and disposing of the interest by spending it on charitable causes and for the benefit of Muslims. It is not permissible to leave interest-bearing certificates to obtain their interest under the pretext of giving it as charity, because that is the sin of usury, with which charity is not accepted. However, if breaking the certificates would result in a significant loss of the principal capital, it is permissible to keep them to avoid the loss, and dispose of any interest by directing it towards the benefit of Muslims.