What is the most likely option an individual might research if saving for a short term goal

the answer is D. Interest-bearing checking account

For short term financial goals, it would be best to put the money in an investment that earns the highest interest while still remaining liquid (aka easy to withdraw your money when you want). In this case some good options would be a high-interest earning savings or money market account.

For short term goals you want to avoid investments that require you to tie your money up for long periods of time like bonds or certificates of deposit.