Although there are such things as callable CDs, what I am referring to here is when a financial institution takes over another financial insitution in which you have CDs. In this case, the takeover insitution can call the CDs issued by the taken over insitution. BUT you have the right in that case to withdraw your money without penalty. This happened to me a long time ago. When I said that I would take my money out, they offered me a 7 yr CD paying 7% APY, and I took it. This turned out to be a good deal.brucedoe
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