Set or edit CD maturity instructions

Near the end of your CD term is the perfect time to evaluate your financial goals. Set your CD maturity instructions to align with your current priorities.

Why setting your instructions matters

Control over your funds

You have the power to decide what happens next. You can update the renewal term, add funds, withdraw funds or close the account completely.

Automatic renewals

If you don't provide instructions, your CD will automatically renew at maturity, making it easy to continue earning interest. Refer to our Terms and Conditions for a complete list of each CD's Auto-Renewal Term as certain CDs will renew into shorter or longer terms than the original term.

Easy digital access

You can set your preferences well in advance of the maturity date using the EverBank website or mobile app.

How to provide maturity instructions

EverBank Performance® CDs and Bump Rate CDs

You can set maturity instructions in advance of maturity, online until 5 p.m. (ET) the business day before the CD's maturity date. Unless you provided an advanced CD maturity instruction to close the CD, you can set or resubmit instructions during a CD's grace period (which ends 10 business days following your CD maturity date) without penalty.

You may choose to update the renewal term, add funds, withdraw funds or close the CD. If you do not provide instructions, your CD will automatically renew.

Please note: Certain CDs will renew into shorter or longer terms, rather than the original term you chose. Refer to our Terms and Conditions for a complete list of each CD's Auto-Renewal Term.

Instructions for other CD types

IRA CDs

If you'd like to let your CD automatically renew, there's nothing you need to do. The interest rate you’ll receive is the interest rate we are offering on the maturity date.

To make changes at maturity or during the grace period, complete and return this form, or call us during business hours at 1.888.882.3837, Monday – Friday, 8 a.m. – 10 p.m. or Saturday, 9 a.m. – 7 p.m. (ET).

CDARS® CDs

CDARS CDs do not renew automatically, and you cannot provide maturity instructions online. You must submit your instructions via secure upload or phone. For details on how and when to provide CDARS CD maturity instructions, visit our CDARS FAQs.

WorldCurrency® CDs

WorldCurrency CDs have no grace period and instructions need to be received at least 3 days prior to maturity. Enter your CD maturity instructions online or call the World Markets desk at 1.800.926.4922.

Quick answers

What are CD maturity instructions?

CD maturity instructions are your chance to provide directions to us for what you would like to do with your CD at the end of its term. Your options include updating the term, adding funds, withdrawing funds or closing the CD. If you don't provide instructions, your CD will automatically renew at maturity. Refer to our Terms and Conditions for a complete list of each CD's Auto-Renewal Term as certain CDs will renew into shorter or longer terms than the original term.

Is there a cut-off time to provide CD maturity instructions?

Yes, the cut-off times to provide CD maturity instructions are as follows:

For Matured CDs – In Grace Period: You can set or resubmit maturity instructions online for a CD during its grace period until 11:59 p.m. (ET) on the last day of the grace period. Maturity instructions given by phone or in a financial center need to be received by 5 p.m. (ET).

For CDs Not Yet at Maturity: You can set or edit maturity instructions that were given in advance of maturity online until 5 p.m. (ET) the business day before the CD's maturity date.

Is there a grace period if my CD has already matured?

Yes. Unless you instructed us to close your CD at maturity, you have ten business days after the maturity date to submit alternate instructions without penalty. Online instructions are accepted until 11:59 p.m. (ET) on the tenth business day while phone or in-person requests must be received by 5 p.m. (ET).

Please note that WorldCurrency CD accounts do not have a grace period and require instructions at least three days prior to maturity.

Can I change my instructions after I set them?

If you’ve previously set CD maturity instructions for a CD that has not yet matured, you can edit those instructions by using the following method.

Please note: You have until 5 p.m. (ET) the business day before the CD's maturity date to set, edit or delete CD maturity instructions for CDs that have not yet matured. And, unless you provided an advanced CD maturity instruction to close the account, you will still have the 10 business day grace period during which you can provide alternate instructions without penalty.

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