From what I was told, if we prematurely do a partial withdrawal, there will a penalty of 50% of the interest earn on the earlier months or something like that. I guess the best is just withdraw it upon maturity date. It's online so more convenient than going to the bank.

Yeah you shouldn't access any personal site and enter password in cyber cafes as your passwords would be safes in their system.
Btw, just curious to get all of the Sifu's experiences here.
Where would you guys put around 200-300k for around 6 months ?