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What actually happens when you pull money out of a CD before it ends. 1. A CD (certificate of deposit) locks your money at a bank for a set term in exchange for a fixed rate. 2. CDs at FDIC insured banks are covered up to $250,000 per depositor, per bank, per ownership category. 3. Cashing out early triggers an early withdrawal penalty, usually a set number of months of interest. On 5 year CDs some banks charge a year or more. 4. If you have not earned enough interest yet, the penalty can come o
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