If you open a No Penalty CD and withdraw from the account before the term ends, you won't have to pay an early withdrawal fee. If you choose a Raise Your Rate CD and withdraw from the account before your term ends, you'll also face early withdrawal penalties. You may increase your rate twice during the four-year period. You may increase your rate once during the two-year period. Here are the Raise Your Rate terms and current rates: When you open a Raise Your Rate CD, you have the option to increase your rate during the term if Ally's rates go up.
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