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Should You Renew Your CD?
Kiplinger's Personal Finance
|January 2026
AFTER you put money in a certificate of deposit, you can sit back while it collects interest over its term. Once it reaches maturity, you'll face a decision: renew it or withdraw the funds.
Typically, you have a grace period of about seven to 10 days after a CD hits its maturity date to decide what to do. Your bank may send you a notification a few weeks before the certificate matures. When you open a CD, it's also a good idea to put a reminder on your calendar of when the certificate is nearing the end of its term.
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