You can withdraw funds on the date the certificate matures and up to ten (10) days after the maturity date without a penalty. A penalty¹ is assessed if funds are withdrawn prior to maturity (some exceptions apply). See certificate rates for details.

^{1: For Investor and IRA Certificates, the early withdrawal penalty depends on the term of the certificate. For terms of 12 months or less, the penalty is 90 days dividends; for terms greater than 12 months, the penalty is 180 days dividends. The early withdrawal penalty for a Starter Certificate is 180 days of dividends. Fees may reduce earnings.}