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I've got these two annoying IRA CDs that I opened in the late 90s with a local bank in SoCal. They came up to maturity in April '06, and I accidentally let them renew without thinking about it much.
They're only about $2500 each, and they're only getting 2.45%, plus an annual fee of $25. They'll cost me $65 each to terminate early an move the funds elsewhere.
So my question is, do IRA CDs typically pay a lower rate than any other CDs? I have several other CDs (not IRAs) paying just under 5% right now, but when I check prices for IRA CDs, I see rates around what I am getting, 2.45%. What am I missing?
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I want to spend my last dollar on the very last day of my life.
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