Your CD Is About to Mature. What's Your Next Move?
Before automatically renewing your CD, take time to understand your options.
Compare renewal terms and explore choices that fit your savings goals.
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What Happens When Your CD Matures?
Your current CD term ends on its maturity date.
Check your bank's renewal terms and grace period.
CD vs. Index-Linked Growth: Compare the Numbers
Adjust your savings amount, CD rate, hypothetical FIA annual cap, and years. The chart and results update automatically.
Your Long-Term Savings Comparison
A hypothetical educational comparison, not an actual annuity illustration.
Estimated Account Growth
| Year | S&P Return | FIA Credit | CD Balance | FIA Balance |
|---|
Important: This educational model repeats the 2016–2025 S&P 500 annual price-return sequence, excluding dividends. The FIA example applies a 0% floor and the selected annual cap. It assumes the cap never changes and excludes contract charges. Actual FIA outcomes and surrender values may differ substantially. The CD assumes the selected annual rate remains unchanged across all renewals. Neither scenario predicts future results. Taxes, inflation, and withdrawals are excluded.
Our team will contact you to arrange a consultation after you submit your request.
Four Options When Your CD Matures
Compare available choices before deciding.
Five Things to Check Before Your CD Renews
Prepare before your renewal deadline.
CDs and Fixed Indexed Annuities Are Not the Same
Both may have a place in a savings strategy, but they provide different benefits, protections, and limitations.
Certificates of Deposit
- Specified interest for a defined term.
- Eligible deposits may have federal deposit insurance.
- Rates may change at renewal.
- Early withdrawals may trigger penalties.
Fixed Indexed Annuities
- Interest may be linked to an external index.
- Caps and other terms limit credited interest.
- Not FDIC-insured.
- Guarantees depend on the issuing insurer.
- May have surrender charges and withdrawal restrictions.
Before Your CD Renews, Know Your Options.
Explore your savings choices before making a decision.
No obligation to move funds or purchase a product.
Common Questions About CD Maturity
Make Your Savings Decision With More Information.
Request a complimentary consultation and explore your options with an appropriately licensed professional.