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Footsox,

There are several separate issues:

1.) Cashing in a CD early likely will incur penalties.
Whether or not you want to take the penalty (separate from any IRS or state penalties for early withdrawal) depends on the penalty and the remaining duration of the CD.

2.) Brokers including E-Trade had a different type of CD than credit unions.
It isn't possible to transfer the credit union CD to E-Trade.

3.) You are over 59 1/2 and the ROTH IRA is over 5 years old
Assuming that the funds were contributed and not converted then you can distribute the ROTH IRA without incurring income taxes or penalties.

4.) One non-trustee to trustee rollover per 12 months is allowed. You could distribute the ROTH IRA and do a non-trustee to trustee if you want to keep the funds in a ROTH IRA but a trustee-to-trustee is a better choice. One the CD has matured or been liquidated within the ROTH then E-Trade can issue the request to rollover the ROTH IRA.
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