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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 providing you with options for what you can do with 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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