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What happens when a certificate reaches the end of its term?

A maturity notice will be mailed to you at least 15 days prior to maturity, and you will have a choice of changing the option you chose when you opened your certificate.

You can either:

  • Renew to a certificate of the same type and term.
  • Renew to a different type or term,
  • Transfer the funds into a deposit account or back to your IRA of the same type.

We allow members a ten day grace period after maturity to withdraw funds without being charged an early withdrawal penalty.

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