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This typically happens when rates of interest fall, and the establishment can reissue the CD at a decrease fee. Callable CDs usually have larger preliminary rates of interest however carry the chance of early redemption. However, some CDs provide penalty-free withdrawals underneath sure circumstances, such as financial hardship or reaching a specific age. When opening a CD, consider your monetary goals and liquidity needs, as your funds shall be locked in for the term length. A bump-up CD lets you take advantage of a better rate on your CD term if one turns
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