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Form CD 15 Department of Commerce Osec DOC

Form CD 15 Department of Commerce Osec DOC

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if you have a certificate of deposit set to mature within a couple of months you might be wondering what are the contact consequences of a maturing CD well under normal circumstances there shouldn't be any special tax consequences when your CD matures interest on CDs is taxable as its earned meaning that if you've had a CD at a bank for the past five years you should have been getting a form 1099 from the bank at the end of each year saying how much interest was earned that year and that interest is taxable in the year in which was earned and not all at once when the CD matures if the CD is inside of an IRA then the interest is tax deferred and when the CD matures you can roll it over into a new CD or another investment within that IRA without losing any of those tax deferral benefits just make sure you don't take money out of a traditional IRA without rolling it into another qualified retirement plan if you do that before age 59 and a half then taxes and penalties will apply

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